Consumer complaint received 2025-05-20 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:
b'IDENTITY THEFT BLOCK REQUEST  FCRA  605C / 15 U.S.C.  1681c-2\nFinal Demand to Block and Remove Fraudulent Accounts\nFrom:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnEquifaxXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXRE: Identity Theft Block Request Under FCRA  605C  Permanent Removal of Fraudulent Accounts Due to Identity Theft and Data Breaches\nTo Whom It May Concern,\nThis is a formal written request pursuant to FCRA  605C / 15 U.S.C.  1681c-2, demanding the immediate and permanent blocking of specific fraudulent information appearing on my credit report. These accounts are the result of identity theft, and in some cases have occurred in the aftermath of widely reported data breaches  including those affecting your own systems.\nUnder FCRA  605C, a consumer reporting agency must block any information alleged to be the result of identity theft within 4 business days of receiving:\n1. A police report or identity theft report filed with a law enforcement agency,\n2. A valid proof of identity, and\n3. A written statement from the consumer identifying the fraudulent information and requesting the block.\nI am now submitting all three required items:\n* A copy of my police report and/or FTC Identity Theft Report,\n* A copy of my government-issued photo ID and proof of current address,\n* This written request identifying the fraudulent accounts listed below.\n\nFraudulent Account to Be Blocked and Removed:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnThese accounts were not opened by me, not authorized by me, and are the direct result of identity theft and/or personal information compromised in a known data breach. I am invoking my rights under:\n* FCRA  605C / 15 U.S.C.  1681c-2  Block of information resulting from identity theft\n* FCRA  611 / 15 U.S.C.  1681i  Right to dispute inaccurate information\n* FACTA (Fair and Accurate Credit Transactions Act)  Identity theft protections\n* 15 U.S.C.  1681n and  1681o  Civil liability for willful and negligent noncompliance\n\nYou Are Legally Required To:\n* Block all listed fraudulent accounts from my credit file within 4 business days of receipt of this request.\n* Refrain from re-inserting this information into my credit file unless you receive a certification of accuracy from the furnisher AND provide me written notice within 5 business days (FCRA  1681i(a)(5)(B)).\n* Provide written confirmation that these accounts have been permanently removed from my credit report.\n\nIf you fail to comply with this legal requirement, I will take immediate legal action under federal and state consumer protection laws, including but not limited to:\n* Filing complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and State Attorney Generals Office\n* Filing a civil lawsuit seeking statutory, actual, and punitive damages for noncompliance\n* Requesting injunctive relief and recovery of attorneys fees\n\nThis is your final notice. I expect full compliance.\nXXXX XXXX

Company response to consumer: Closed with non-monetary relief