Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Dispute of Inaccurate Credit Information XXXX  Data Breach Impact / Request for Deletion Under FCRA As a direct result of Equifax 's failure to safeguard consumer data, I no longer have full confidence in the accuracy, integrity, or authorization of negative items and late payment data currently being reported on the following accounts : Accounts to Be Reinvestigated and Corrected/Deleted : I no longer have full confidence in the accuracy, integrity, or authorization of negative items and late payment data currently being reported on the following accounts XXXX  XXXX Account Ending in XXXXXXXX XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX XXXX I am writing to formally dispute inaccurate and harmful information reporting on my Equifax credit file. My personal identifying information was compromised in the XXXX  Equifax Data Breach, one of the largest data breaches in U.S. history, which exposed Social Security numbers, dates of birth, addresses, credit data, and other sensitive personal information to unauthorized parties. 

These accounts contain late payments and/or derogatory remarks that are either inaccurate, unverifiable, or can not be conclusively attributed to my actions. Due to the breach of my private data and the ongoing risk of identity theft, account manipulation, or reporting errors, I request the immediate deletion or correction of all negative information associated with these accounts. 

Under Consumer Rights Granted by Federal Law ( FCRA 15 U.S.C. 1681i & 1681s-2 ( a ) ), I Am Requesting : A full reinvestigation of each account listed above Deletion of all late payments, derogatory remarks, or inaccurate data if verifiable proof is not produced within 30 days A detailed Method of Verification if Equifax chooses to continue reporting these items ( FCRA 611 ( a ) ( 7 ) ) Notification to all furnishers and the other credit bureaus ( XXXX  XXXX XXXX ) of any deletions or changes made Optional : Placement of a fraud alert or security freeze on my file ( remove if not applicable ) For your reference and as supporting documentation, I have attached the official Federal Trade Commission ( FTC ) Press Release regarding the XXXX  Equifax Data Breach , which confirms Equifax 's failure to safeguard consumer data and the scale of exposure affecting over 147 million Americans. 

Failure to Comply If these inaccuracies remain after the investigation period, I will proceed with filing formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General This letter also serves as a formal notice of potential claims for negligence, failure to protect consumer data, and willful noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation