Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Follow up to my Formal Dispute of Fraudulent Items on My Credit Report Dear Equifax Dispute Resolution Team, I have contacted you servel times over the last 6 months presenting evidence of the fraudulent items on my credit report. You have not sent me any verification of the validity of the documents and I have sent you proof of the identity theft which included copies of the Federal Trade Commission Identity Theft Report. I have contacted you several times regarding the presence of fraudulent items on my credit report that you maintain under my name and Social Security number. Despite providing documentation and filing an FTC Identity Theft Report ( # XXXX ), Equifax has refused to remove these items. This letter is a request for immediate deletion in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

As you may know, Equifax was responsible for a data breach in XXXX that exposed my personal information and the personal information of millions. I have reason to believe that the misuse of my Social Security number and personal information is directly tied to this incident, as confirmed by the FTC and Equifaxs own public statements and the Equifax Data Breach Settlement ( Engagement Number XXXX ) The following fraudulent items must be removed from my report immediately : XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX Per the FCRA 605B [ 15 U.S.C. 1681c-2 ], credit reporting agencies are required to block information resulting from identity theft upon receiving : Proof of the identity theft, such as an FTC Identity Theft Report.

A copy of my identification.

A written statement identifying the fraudulent accounts. 
All of this documentation has been previously provided to you. As well as copies to the CFPB and you have sent me stall letter after stall letter stating you didnt receive my report so you cant block the items. Your refusal to remove these items constitutes a violation of the FCRA, specifically 611 [ 15 U.S.C. 1681i ], which mandates credit reporting agencies to conduct a reasonable investigation of disputed items and promptly correct any errors. 

I urge Equifax to take immediate action to : Remove the fraudulent accounts listed above. 
Provide me with a corrected copy of my credit report. 
Refrain from sharing any inaccurate information with third parties. Especially since you have already leaked my information. 
Failure to comply with this request will leave me no choice but to escalate this matter. I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the FTC and explore ALL my legal options to protect my rights. 

Thank you for your prompt attention to this matter. I expect written confirmation of the resolution within 30 days, as required by law. Please contact me at XXXX or email me at XXXX if you require any additional information. 

Sincerely, XXXX XXXX XXXX Last XXXX of Social Security Number : XXXX

Company response to consumer: Closed with explanation