Consumer complaint received 2025-04-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> **RE : Formal Identity Theft Dispute and Immediate Removal Request Under Section 605B of the FCRA** I am submitting this letter to formally dispute inaccurate and fraudulent information on my credit report pursuant to **Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) **. The negative information I am disputing is a direct result of identity theft stemming from multiple data breaches, including the highly publicized XXXX Equifax data breach**, in which your agency failed to adequately safeguard consumer data. 

Additionally, I have received **two data breach notification letters from XXXX XXXX XXXX further confirming that my personal information has been repeatedly compromised through no fault of my own. These breaches have directly contributed to the fraudulent activity appearing on my credit report. 

I have made multiple attempts over the past several months to obtain verification and documentation of these alleged debts. Despite my repeated requests, I have **not received any proof or validation** in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of these unverifiable accounts is a violation of federal law, especially considering they stem from documented identity theft and multiple data breaches beyond my control. 

As a result of this identity theft and the failure to correct my credit file, **two accounts are currently reporting late payments**, which are further damaging my credit score and financial standing. ( XXXX XXXX  and XXXX XXXXThese late payments are **fraudulent and do not reflect my actual payment history or financial behavior**. I am not requesting that these accounts be removed in full if they are legitimate accounts opened by me only that the **payment history be corrected to remove the inaccurate late payment notations** associated with identity theft-related activity. 

Under Section 605B of the FCRA, you are legally required to **block and remove the disputed information within four ( 4 ) business days** of receiving this written request and the required documentation. 

**Disputed Accounts : ** XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  **I formally request the IMMEDIATE REMOVAL and BLOCKING** of these unauthorized entries from my credit report . Additionally, I request the **correction of the payment status** on the affected legitimate accounts currently reflecting inaccurate late payments. 

**Enclosed Documentation : ** - Copy of my **FTC Identity Theft Report** ( including the one I initially filed when I first noticed unauthorized inquiries ) - Copy of my **government-issued photo ID** - Copy of my **Social Security card** - Copy of a **recent utility bill** for address verification Please confirm in writing that these accounts have been blocked and permanently removed from my report. I also request a free and updated copy of my credit report reflecting these changes. 

If you fail to comply with this request, I will have no choice but to file a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Georgia Attorney General 's Office** . 

Sincerely, XXXX

Company response to consumer: Closed with explanation