Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
To Whom It May Concern, Re : Immediate Action Required - Fraudulent Accounts Resulting from Equifax XXXX Data Breach I am writing to dispute fraudulent accounts on my credit report, which have appeared due to the Equifax Data Breach of XXXX. As evidenced by the documents provided by Equifax confirming my personal information was compromised in this breach, there is no possible way that the accounts in question can be verified as mine. These accounts are directly linked to the breach, and I am demanding immediate action to block these accounts under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Equifax 's Acknowledgment of the Data Breach Impact Equifax has already acknowledged that my personal information was breached during the XXXX Equifax data breach, as evidenced by the attached documentation. Given that my information was compromised and accessed without my authorization, there is absolutely no reasonable way that the accounts currently reported as belonging to me can be valid. Any attempt to verify these accounts as mine is fundamentally flawed due to the breach, and it is impossible to establish their legitimacy. This constitutes a clear violation of my rights under both federal law and consumer protection statutes. 

Request for Blocking of Fraudulent Accounts In light of this breach, I am formally requesting that the following fraudulent accounts be immediately blocked from my credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As per the law, when fraudulent information stemming from identity theft is reported, you are required to block the information from my credit report within 4 business days of receiving notice from me, the victim. 

I demand that the following fraudulent accounts be blocked and removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THE FOLLOWING INQUIRES ...... 
XXXX XXXX XXXXXXXX XXXX Legal Basis for Blocking Fraudulent Accounts I refer to the following sections of the FCRA and consumer protection laws that govern my rights to dispute this inaccurate, unauthorized, and fraudulent information on my credit report : FCRA Section 611 - 15 U.S.C. 1681i ( Investigation of Disputed Information ) : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report. You are required to investigate any disputed information, and the results of that investigation must be provided to me within 30 days. Since I have proven that my information was breached and unauthorized accounts were opened using my data, the information in question is inherently unverifiable and can not be accurately attributed to me. 

FCRA Section 605B - 15 U.S.C. 1681c-2 ( Blocking Fraudulent Information ) : As stated in 15 U.S.C. 1681c-2, fraudulent information resulting from identity theft, such as in the case of the Equifax XXXX breach, must be blocked from my credit report upon notification. Since Equifax itself has acknowledged the breach, it is impossible to verify the ownership of the fraudulent accounts, and they must be blocked under federal law. 

FCRA Section 607 - 15 U.S.C. 1681e ( Duties of Credit Reporting Agencies ) : Under 15 U.S.C. 1681e, you have a legal duty to ensure that the information reported on my credit file is accurate, complete, and current. Continuing to report fraudulent accounts, especially those linked to a data breach, constitutes a violation of this requirement. It is your legal obligation to correct any inaccuracies once they have been identified. 

FCRA Section 609 - 15 U.S.C. 1681g ( Consumer 's Right to Disclosure ) : Under 15 U.S.C. 1681g, I have the right to obtain a full disclosure of the information you are reporting on my credit file, including a record of all entities who have accessed this information. This allows me to further investigate the legitimacy of these claims and ensure my information is not being misused.

FCRA Section 605 - 15 U.S.C. 1681c ( Reporting of Outdated Information ) : Under 15 U.S.C. 1681c, any information that is outdated or inaccurate must be removed from my credit file. Fraudulent accounts tied to an identity theft event, such as the Equifax data breach, can not remain on my file because they were not opened by me and were never authorized. 

Demands for Immediate Action Given the breach and the fraudulent accounts resulting from it, I am demanding the following actions : Immediate blocking of the fraudulent accounts from my credit report in accordance with 15 U.S.C. 1681c-2 ( FCRA Section 605B ), and that all further reporting of this fraudulent information be terminated. 

Written confirmation that the fraudulent accounts have been blocked, and a detailed accounting of any communications related to these accounts, including the names of any companies that have accessed the fraudulent information. 

A reinvestigation of the disputed accounts under 15 U.S.C. 1681i ( FCRA Section 611 ) to ensure that only accurate, legitimate information is reported on my credit file. 

Notification to any creditors or entities who have accessed my credit report to ensure they are informed that the information has been blocked due to its fraudulent nature, as required by 15 U.S.C. 1681c-2. 

Legal Consequences for Non-Compliance I must emphasize that failing to comply with my request to block fraudulent information and correct my credit report constitutes a direct violation of federal law under the FCRA. If you fail to take immediate corrective action, I will not hesitate to take the following steps : File complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the State Attorney General 's office. 

Pursue legal action for damages caused by the ongoing reporting of fraudulent accounts, including damage to my reputation, creditworthiness, and emotional distress. 

You are required to resolve this issue within 30 days from the date of this letter. Failure to do so will leave me no choice but to escalate this matter to the appropriate authorities and seek legal remedies for the violations of my rights. 

I expect to receive confirmation of these actions and corrections immediately and no later than 30 days from the receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief