Consumer complaint received 2025-10-02 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXXEquifax Information Services, LLC\XXXX XXXX XXXX GA XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for\nImmediate Deletion\n\nDear Equifax,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate\nCredit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the Equifax data breach of XXXX in which the personal information of over XXXX XXXX Americansincluding names, Social Security numbers, dates of birth, and\naddresseswas compromised, and the more recent "Mother of All Breaches"\n(MOAB) in XXXX  as well as the July XXXX breach exposing over XXXX XXXX passwords\nand credentials, it is no longer reasonable to assume that every item on a credit report\ngenuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting\nthat the following accounts be thoroughly investigated and permanently deleted from my\ncredit file if any of the information cannot be 100% verified with original source\ndocumentation:\n\nAccounts in Dispute:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED XXXX XXXX XXXX XXXX. DEPT OF ED XXXX XXXX XXXX XXXX  DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX.DEPT OF ED XXXX XXXX XXXX XXXX.DEPT OF ED XXXX XXXX XXXX XXXX.DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRY:\nUS DEPARTMENT OF EDU XXXX XXXX XXXXAccording to the FCRA:\n You must complete your reinvestigation within 30 days of receiving this\ndispute.\n If an item cannot be verified, it must be deleted from my credit report.\n You are also required to notify me in writing of the results of your\ninvestigation.\nAdditionally, I demand you provide:\n1. The name, address, and contact information of each data furnisher for the\naccounts in question.\n2. A description of the procedure used to determine the accuracy and completeness\nof the information.\n3. Proof of my authorization or contractual obligation for the items listedespecially\nin light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the\nConsumer Financial Protection Bureau (CFPB), the Federal Trade Commission\n(FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with\nthe FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\n\nSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief