Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I am notifying Equifax to formally dispute the unauthorized and fraudulent information that has appeared on my credit report. As a victim of identity theft, including the XXXX breach and the Equifax data breach, my personal information has been compromised including, resulting in a fraudulent account and inquiries. Notably, my name, XXXX XXXX, along with my Social Security number, were exposed including 13 breaches associated with my address. Also, theres 6 Critical Exposures associated with my SSN and other credit information. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Breach : The XXXX breach exposed the following personal information : Full name Social Security number Date of birth Address history Employment information Financial account numbers This breach has led to the creation of fraudulent accounts and inquiries on my credit report. I have attached supporting documents, including my FTC Identity Theft Report and the notification letter regarding the breach. 



Disputed Items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts and/or inquiries were made without my consent or knowledge. Under FCRA 605B, I request that these items be blocked from my credit report. 
Requested Actions : 1. Immediate Investigation : Please conduct a thorough review of the disputed items and provide a written response detailing the findings and actions taken.

2. Removal of Fraudulent Information : In accordance with FCRA 611 and 605B, please remove or block the disputed items from my credit report within the legally required time frame.

3. Fraud Alert : Please extend or renew the fraud alert on my file to notify creditors of this identity theft incident. 
I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that Equifaxs handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report.

I request that you promptly investigate this matter and provide me with a corrected version of my credit report within the time frame required by law. If the disputed items can not be verified, I expect them to be immediately removed from my report. I also request confirmation that any inaccurate or unverifiable information will not continue to be reported on my file. 
Thank you for your attention to this matter. I look forward to your response. 

Enclosed Documents : Copy of government-issued ID Utility Bill FTC Identity Theft Report Notification letter of the XXXX breach Notification letter of the Equifax Data breach Contact Information : Please confirm receipt of this letter and notify me in writing once the investigation is complete. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Last 4 digits of SSN : XXXX XXXX said : XXXX Certainly! Here 's a rewritten version of your letter : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Last 4 digits of SSN : XXXX Date of Birth : XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Information & Request for Investigation under FCRA and Data Breach Exposure To Whom It May Concern, I am writing to formally dispute fraudulent information appearing on my credit report. As a victim of identity theft, including exposure from both the XXXX and Equifax data breaches, my personal information has been compromised, resulting in the creation of fraudulent accounts and unauthorized inquiries. Specifically, my name, Social Security number, and address history were exposed, along with other sensitive data. 

Additionally, my Social Security number and other credit-related information have been linked to 13 breaches, and I have identified 6 critical exposures related to my SSN. I am requesting an immediate investigation of these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ).

Details of the Breach : The XXXX breach exposed the following personal information : Full name Social Security number Date of birth Address history Employment history Financial account numbers This breach has led to fraudulent accounts and inquiries on my credit report. I have attached supporting documents, including my FTC Identity Theft Report and the breach notification letter. 

Disputed Items : XXXX XXXX XXXX # XXXX These accounts and/or inquiries were made without my consent. In accordance with FCRA XXXX, I request that these items be blocked from my credit report. 

Requested Actions : Immediate Investigation : I request a full review of the disputed items and a written response detailing your findings and the actions taken.

Removal of Fraudulent Information : In accordance with FCRA 611 and 605B, I request the removal or blocking of the fraudulent items from my credit report within the required time frame.

Fraud Alert : Please place or renew the fraud alert on my credit file to notify creditors of this identity theft.

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as under the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, which guarantees privacy and security regarding my personal information.

I believe that improper investigations or reporting practices may have led to inaccurate information on my credit file. Furthermore, I am concerned that Equifaxs handling of my credit information could be in violation of my privacy rights as protected under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and confidentiality of the data they report.

Please investigate this matter promptly and provide me with a corrected copy of my credit report within the statutory time frame. If the disputed items can not be verified, I expect their immediate removal. Additionally, I request confirmation that any unverifiable or inaccurate information will no longer appear on my credit file. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Enclosed Documents : Copy of government-issued ID Utility bill FTC Identity Theft Report XXXX  breach notification letter Equifax data breach notification letter Contact Information : Please confirm receipt of this letter and inform me in writing once the investigation is complete. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Last XXXX digits of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief