Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and I am a victim of ongoing identity theft caused by multiple confirmed data breaches. My personal informationincluding my SSN, address, phone numbers, email, and an encrypted XXXX been exposed through the Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breaches. My data has appeared on the dark web and has been linked to usernames and accounts I did not create. Experian placed a fraud alert on my credit report, and multiple breach notifications confirm repeated exposure from XXXX. These incidents have caused financial stress, unauthorized inquiries, and ongoing fear of fraud. As a single parent, this continues to affect my ability to protect my family, and I urgently need support and protection to secure my identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion, equifax, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Formal Dispute of Inaccurate, Unverified, and Identity Theft Related Information To Whom It May Concern at TransUnion, This letter is a formal dispute under my rights guaranteed by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). 
After carefully reviewing my credit report, I have identified multiple accounts and entries that are inaccurate, unverifiable, outdated, or fraudulent due to identity theft. 
I am also a confirmed victim of multiple identity theft incidents and major data breaches, including : Equifax ( Engagement # XXXX ), Experian, XXXX ( breach including my SSN, name, email, and phone ), and XXXX XXXX XXXX ; ( Class Member ID : XXXX, Claim # XXXX ). These breaches compromised my personal information, which has been fraudulently used to create or report inaccurate accounts. 
Pursuant to FCRA 602A, 604, 607 ( b ), 609, 611, and 623, as well as FCRA 605 ( c ) ( 15 U.S.C. 1681c-2 ), I demand an immediate reinvestigation and permanent deletion of the following items, as they are not authorized, accurate, or verifiable : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts must be permanently deleted from my credit file. Continuing to report unverifiable, inaccurate, or fraudulent information is a direct violation of federal law. If you fail to comply within the statutory 30-day period, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the Office of the Attorney General.

This letter serves as my formal request to block and delete all fraudulent accounts and negative tradelines as required by law. Please provide me with written confirmation once these deletions have been completed. 
Sincerely, XXXX

Company response to consumer: Closed with explanation