Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am formally disputing the accuracy, completeness, and verifiability of the following XXXX XXXX XXXX accounts being reported on my credit file with your bureau ( s ) : Account No. XXXX reported with a {$500.00} limit and listed as a charge-off. 
Account No. XXXX reported with a {$1700.00} limit, opened XX/XX/XXXX. 
Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX This is my second and final request. My previous dispute was submitted on XX/XX/XXXX. Instead of receiving full validation as required by law, I was sent only generic letters, which do not satisfy federal requirements. 
Legal Basis and Validation Demands Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ), I am requesting complete validation of these accounts, including but not limited to : A copy of the original signed application/contract bearing my signature. 
A full-itemized account history ( all debits, credits, interest, fees, charges, and payments ). 
Proof that XXXX XXXX lawfully owns and is authorized to collect and report these accounts. 
Documentation establishing an unbroken chain of title/assignment if the accounts were transferred. 
Evidence that your bureau conducted a reasonable reinvestigation with actual documentation from the furnisher, not just automated responses. 
If these accounts were applied online, provide all supporting evidence associated with the application, including : IP address ( es ) used to submit the application Device information and browser fingerprints Email confirmations and timestamps Any electronic signatures or click-through confirmations Failure to provide this information means you are knowingly reporting unverifiable information, which violates FCRA 607 ( b ) ( maximum possible accuracy ). 
Data Breaches and Consumer Risk I must also highlight that my personal information has already been compromised in multiple breaches : Equifax ( XXXX ) exposed Social Security numbers, birthdates, and financial data of over XXXX XXXX consumers. 
XXXX  ( XXXX ) exposed tens of millions of consumer records, including credit data. 
XXXX  XXXX ( XXXX ) exposed over XXXX XXXX applications, credit scores, and Social Security numbers. 
XXXX  ( XX/XX/XXXX ) exposed approximately XXXX XXXX XXXX consumers personal data, including names, Social Security numbers, and dates of birth, due to a third-party system breach. 

Legal Basis for My Demands Verification Requirement FCRA 611 ( 15 U.S.C. 1681i ) You must conduct a reasonable reinvestigation of each disputed item. If the furnisher can not provide legal documentation bearing my signature or valid authorization, you are required by law to delete the item immediately. 
Duty of Accuracy FCRA 623 ( 15 U.S.C. 1681s-2 ) Information reported without proper verification, or continued reporting after a dispute, constitutes a direct violation of your statutory obligations. 
Heightened Scrutiny Due to Data Breach Given XXXX  recent security breach, the risk of identity theft and fraudulent reporting has materially increased. This places an even higher duty on your agency to ensure all data is fully verified, accurate, and free from compromise. Any unverifiable data must be deleted to protect the integrity of my file. 
Liability for Noncompliance FCRA XXXX Willful or negligent failure to comply with your obligations subjects you to liability for statutory damages ( {$1000.00} per violation ), actual damages, punitive damages, attorneys fees, and court costs. 
Timeframe to Respond FCRA 611 ( a ) ( 1 ) ( A ) You are required to complete your reinvestigation within 30 days of receiving this letter. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential civil action in federal court. 

Action Required Delete all accounts, inquiries, and information that can not be fully verified with proper documentation. 
Provide me with an updated credit report reflecting these corrections. 
Confirm in writing that unverifiable or fraudulent items will not reappear in my file. 

I have enclosed documentation showing that my information is present on the Dark Web as a direct result of these breaches. Continued reporting of unverifiable accounts places me at further risk of fraud and identity theft. 
Non-Compliance and Escalation This is my last attempt to resolve this matter directly. If these accounts are not properly validated or immediately deleted, I will escalate this case to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( OCC ) State Attorney Generals Office Any other regulatory and enforcement authorities Be advised : Failure to comply with the FCRA, FACTA, and FDCPA ( as applicable ) subjects you to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k, including statutory damages, actual damages, attorneys fees, and court costs.

Enclosures I have provided the following evidence with this letter : Government-issued photo ID Proof of residence Screenshots of my credit report reflecting the disputed accounts Screenshots showing my personal data on the dark web Copy of my prior dispute dated XX/XX/XXXX and XX/XX/XXXX Final Demand If you can not provide the complete legal validation requested above, you are required by law to delete these XXXX  XXXX accounts and Inquiries from my credit file immediately. 
Please provide a full written response within 15 days of receipt. Failure to do so will confirm your non-compliance and will be used as evidence in my complaints to the CFPB, FTC, and other legal entities.

Company response to consumer: Closed with explanation