Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was exposed in a data breach. I am seeing multiple accounts for the same debts on my credit reports. When I dispute they just keep saying they are mine. 

See Letter : XX/XX/year>XXXX  Re : Notice of Data Breach XXXX XXXX, We are writing to inform you that some of your personal information was recently impacted when XXXX XXXX  XXXX XXXX ( XXXX  ) was the victim of a cybersecurity attack. XXXX provides financial services including Banking-as-a-Service products to host accounts and provide mobile banking. This incident did not impact your funds stored with XXXX. 

Please read this notice carefully, as it provides uptodate information on what happened and what we are doing, as well as information on how you can obtain complimentary credit monitoring. 

What happened? 

On XX/XX/year>XXXX XXXX identified that some of its systems were not working properly. While it initially appeared to be a hardware failure, we subsequently learned it was unauthorized activity. XXXX  promptly initiated its incident response processes and stopped the attack. No new unauthorized activity on XXXX systems has been identified since XX/XX/year>. An investigation with assistance from a cybersecurity firm was initiated to investigate what happened and what data may have been impacted. XXXX also notified law enforcement and worked to add further protections to harden its systems. 

What personal information was involved? 

There is no evidence that the threat actors accessed any customer funds, but it appears the threat actors did access and download customer information from XXXX databases and a file share during periods in XXXX and XX/XX/year>. 

Within these downloaded files, XXXX  identified the following personal data about you : Name, Contact Information, XXXX  Account Number, Social Security Number and Date Of Birth. 

What we are doing : XXXX  is offering you a complimentary 24month membership to XXXX credit monitoring and identity theft protection services. We are also providing you with proactive fraud assistance to help with any questions that you might have or in the event that you become a victim of fraud. These services will be provided by XXXX, a XXXX company specializing in fraud assistance and remediation services. Please see Attachment A below for additional details regarding these services. You must enroll by XX/XX/year>, to receive these services. 

Prior to the incident, XXXX had a significant number of cybersecurity measures in place. Since becoming aware of the incident, XXXX has taken steps to further strengthen its security response protocols, policies and procedures, and its ability to detect and respond to suspected incidents. 

What you can do : It is always a good idea to remain vigilant against threats of identity theft or fraud and to regularly review and monitor your account statements and credit history for any signs of unauthorized transactions or activity. You can also enroll in the XXXX service being offered to you. Additional information about how to protect your identity and personal information is contained in Attachment B below. 

For more information : A dedicated call center is also being set up to answer your questions about this incident. You may call it toll free at XXXX, Monday through Friday XXXX XXXX XXXX XXXX XXXX ET ( excluding major U.S. holidays ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX attention XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( see attached ) This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX  error Needs attention {$3800.00} Needs attention XXXX XXXX XXXX error Needs attention {$3800.00} XXXX XXXX error Needs attention {$3500.00} XXXX XXXX error Needs attention {$3300.00} XXXX XXXX XXXX XXXX error Needs attention {$1400.00} XXXX XXXX XXXX error Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$1000.00} XXXX XXXX XXXX XXXX error Needs attention {$960.00} XXXX XXXX  error Needs attention {$930.00} XXXX XXXX XXXX XXXX error Needs attention {$770.00} XXXX XXXX XXXX XXXX error Needs attention {$720.00} XXXX XXXX XXXX XXXX error Needs attention {$630.00} XXXX XXXX XXXX, XXXX error Needs attention {$590.00} XXXX XXXX XXXX XXXX error Needs attention {$500.00} XXXX XXXX XXXX error Needs attention {$490.00}

Company response to consumer: Closed with non-monetary relief