Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
( Below is my complaint and letter sent to Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Urgent Request for Correction and Compliance with FCRA - File Number : XXXX Dear Equifax Information Services LLC, I am writing to formally address the ongoing issues regarding my credit report and to express my profound disappointment with your agency 's handling ofmy requests. Despite my repeated attempts to resolve this matter, including detailed correspondence dated XX/XX/XXXX, and XX/XX/XXXX. I have yet to see any meaningful resolution. 
As outlined in the Fair Credit Reporting Act ( FCRA ) Section 605B, a consumer reporting agency is mandated to block the reporting of any information resulting from identity theft if the consumer provides appropriate documentation not later than 4 business days after you receive the required documentation and information. I have complied with this requirement by providing all necessary documents, including : 1. Proof of Identity : I have submitted my identification information multiple times. It is included again, Exhibit F. 
2. Identity Theft Report : The FTC Report Number XXXX ( dated XX/XX/XXXX ) has been included as Exhibit C. 
XXXX. Identification of Fraudulent Information : I have clearly identified the accounts and inquiries that were not authorized by me.

4. Statement Regarding Transactions : I have explicitly stated that the disputed information does not pertain to any transactions I authorized.

Additionally, I have provided a notarized Identity Theft Victim 's Complaint and Affidavit submitted to the CFPB in XX/XX/XXXX included as Exhibit D, as well as a copy of the FCRA 605B law detailing my rights, included as Exhibit E for your reference.

Your failure to address my legitimate requests is not only a violation of federal law but has also caused me significant distress and harm. I want to reiterate that I am a victim of identity theft due to the data breach at National Public Data, and it is your obligation under the law to assist me in rectifying these inaccuracies on my credit report. 

I am giving Equifax one final opportunity to rectify this situation. I demand that you : 1. Immediately delete all unauthorized accounts and inquiries from my credit report.

2. Block any information related to identity theft as mandated by FCRA 605B.

Please consider this letter a final warning. If I do not receive a satisfactory response within 15 days of the date of this letter, I will have no choice but to consult my attorney and pursue legal action against XXXX for failing to comply with the Fair Credit Reporting Act and for the undue stress and harm caused by your negligence. 

A copy of this letter has been sent to the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's OfficXXXX, and my personal attorney, XXXX XXXX, for their records and further action if necessary. 

Thank you for your immediate attention to this matter. I expect a prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : - Exhibit A : Letter dated XX/XX/XXXX - Exhibit B : Letter dated XX/XX/XXXX - Exhibit C : FTC Report Number : XXXX - Exhibit D : Notarized Identity Theft Victim 's Complaint and Affidavit - Exhibit E : Copy of Federal Law FCRA 605B - Exhibit F : Proof of Identity and address - Exhibit G : Letter to XXXX  date XX/XX/XXXX Cc : Georgia Attorney General, XXXX XXXX XXXX Cc : Attorney XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief