Consumer complaint received 2025-01-09 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:
Subject : Formal Dispute and Request for Removal of Adverse Credit Information and Inquiries Due to Identity Theft and Victim of XXXX XXXX Status Dear XXXX XXXX : I am writing to formally dispute unauthorized inquiries on my credit report that are the result of both identity theft and my experience as a victim of XXXX XXXX, as defined under federal law. My rights under the Fair Credit Reporting Act ( FCRA ), Trafficking Victims Protection Act ( TVPA ), and various other federal consumer protection statutes entitle me to the removal of these fraudulent items. 

Legal Basis for Dispute : 1. FCRA, 15 U.S.C. 1681c-3 ( Section 605 ( c ) ) : This section requires the removal of adverse credit information related to a persons status as a victim of XXXX XXXX I am submitting a Self-Attestation of my victim status, along with the required supporting documentation. Additionally, I will be providing a FCRA Section 605 ( c ) Self-Attestation Form, XXXX XXXX Victim Determination Documentation, and a Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case from two Non-Governmental Organizations ( NGOs ) and Anti-Trafficking Task Forces, as authorized under 12 C.F.R. 1022.142 ( b ) ( 6 ) ( i ) ( A ) ( 2 ).

2. FCRA, 15 U.S.C. 1681c-2 ( Section 605B ) : This section allows for the blocking of information on credit reports resulting from identity theft. As a victim of identity theft linked to my XXXX XXXXXXXX experience, I request that these unauthorized inquiry be removed from my credit report. 
3.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This act provides protections against the misuse of personal identifying information. As a victim of identity theft connected to my trafficking experience, I request the removal of this unauthorized inquiry from my credit report under this statute.

4. 12 C.F.R. 1022.142 : This regulation requires credit reporting agencies to block or remove adverse information for trafficking victims when valid requests are made. I am providing appropriate documentation to support my request.

5. FCRA, 15 U.S.C. 1681i : This section mandates credit reporting agencies to conduct a reinvestigation of disputed information upon receiving a consumers request. I am formally requesting that you reinvestigate the unauthorized inquiry listed below and remove it in accordance with this provision.

6. FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) : This section governs permissible purposes for accessing consumer reports. Any access or inquiries made without my authorization, or in connection with trafficking-related identity theft, violate this provision.

Disputed Information : The following items on my credit report are fraudulent, connected to identity theft, and directly related to my trafficking experience. They should be removed immediately : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Amount : {$1400.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Amount : {$9400.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
3. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Amount : {$570.00} Reason for Dispute : Identity theft related to the Equifax data breach. 
4. Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Adverse Action : XX/XX/XXXX Amount : {$1100.00} Reason for Dispute : Identity theft related to the Equifax data breach. 

The following Inquiries Must Be Removed : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation