Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX EMAIL : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Accounts Blocking and Deletion Due to Data Breach Dear Equifax XXXX, XXXX XXXX XXXX this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened, personal loans, and hard inquiries. 
I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent.

Additionally, I have also filed a CFPB complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint. 
This letter is formally written by myself, XXXX XXXX, and not by a third party or representative. 
The following accounts are fraudulent and inaccurate : XXXX. XXXX XXXX XXXX Account number : XXXX Account opened : XX/XX/XXXX Account Balance : {$3000.00} XXXX. XXXX XXXX XXXX XXXX  Account number : XXXX Account opened : XX/XX/XXXX Account Balance : {$400.00} These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : XXXX  XXXX XX/XX/XXXX I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX block all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within four ( 4 ) business days of receipt of this letter and the attached documentation.

Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill or bank statement for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint Proof of Equifax Data Breach screenshot This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days via email : XXXX. 
Sincerely, XXXX XXXX XXXX : Proof of Identity Supporting Documentation

Company response to consumer: Closed with non-monetary relief