Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Oklahoma XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX ________________________________________ IMMEDIATE DISPUTE - IDENTITY THEFT & DATA BREACH EXPOSURE - INACCURATE ACCOUNT INFORMATION - Equifax Credit Report Dear Equifax Information Services LLC, I'm writing to formally dispute inaccurate and fraudulent information on my Equifax credit report, which I believe is a direct result of identity theft and the fact that my personal information has been exposed in multiple data breaches. This exposure has clearly led to the fraudulent activity on my credit file. I demand an immediate and thorough investigation into the following accounts, and their prompt removal from my credit report : Disputed Accounts Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX  Account Status : Paid, Closed or paid account/zero balance Dates : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX My Equifax report shows a XXXX Payment Status : Late 30 Days '' for XX/XX/XXXX. This directly contradicts the account 's status as " XXXX '' and " Closed or paid account/zero balance, '' and the listed last active/payment date of XX/XX/XXXX. This contradictory information is a strong indicator of fraudulent activity or misreporting stemming from my compromised data. I never incurred this late payment. 
Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Creditor : XXXX Account Status : Closed, Paid, Closed or paid account/zero balance Dates : Last Reported : XX/XX/XXXX ; Last Payment : XX/XX/XXXX This account displays a " Payment Status : Late 90 Days '' and historical " 60 '' and " 90 '' day late markers. However, the account is unequivocally listed as " Closed '' and " Paid, '' with the last payment date being XX/XX/XXXX. It's illogical for an account paid and closed years ago to continue showing such late payments, especially given the significant discrepancy in dates. This is highly suspicious and consistent with fraudulent manipulation of my credit file due to identity theft, likely fueled by my exposed data. I never incurred these late payments. 
Account # XXXX ( XXXX ) * * Creditor : XXXX Account Status : Closed, Paid Dates : Opened : XX/XX/XXXX ; Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX My Equifax report for this account shows " 60 '' and " 30 '' day late payments for XXXX and XX/XX/XXXX, respectively. Despite this, the account is reported as " Closed, '' " Paid, '' and shows " OK '' or " Current '' statuses for subsequent months. The presence of these late payments on an otherwise paid and current account, coupled with its recent closure, is a serious red flag pointing to potential identity theft impacting the reporting of this account. I never incurred these late payments. 
XXXX Accounts : XXXX, XXXX, XXXX Creditor : XXXX Account Numbers : XXXX, XXXX, XXXX I unequivocally state that these XXXX accounts are fraudulent and are the direct result of identity theft. I never opened these accounts, nor did I authorize any activity related to them. Their presence on my credit report is a clear indication that my personal information has been compromised and misused due to data breaches. 
________________________________________ Demand for Immediate Removal Based on Identity Theft and Data Breach Exposure Given that my personal information has been compromised in multiple data breaches, leading directly to these instances of identity theft and fraudulent reporting, I demand immediate action. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ), you are required to block the reporting of information that a consumer identifies as resulting from identity theft. This section mandates that if I submit an identity theft report and identify information that resulted from the theft, you must block that information from appearing on my credit report.

Furthermore, FCRA 15 U.S.C. 1681c ( 605 ( b ) ), which addresses the " Reporting of obsolete information prohibited, '' emphasizes that fraudulent entries, being products of identity theft, should not be reported at all, regardless of age.

I demand that all of the above-mentioned accounts be removed from my Equifax credit report within four ( 4 ) business days. This accelerated time frame is absolutely necessary given the severe nature of identity theft, exacerbated by data breach exposure, and the immediate and ongoing harm it causes to my financial well-being. The continued presence of these fraudulent and inaccurate entries is a clear violation of my rights under the FCRA. 
I have attached a copy of my official Identity Theft Report [ OR : I will be submitting an official Identity Theft Report to you separately, and it will follow this dispute letter ]. 
Enclosed is a copy of my current Equifax credit report, with the disputed entries highlighted. 
Thank you for your immediate and urgent attention to this matter. I expect prompt removal of these accounts and confirmation of their deletion. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation