Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Equifax Legal Department XXXX XXXX XXXX XXXX, Chief Legal Officer Equifax Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  Subject : Urgent Identity Theft Dispute & Request for Immediate Credit Block-XXXX XXXX Police Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft Fraud When Using/Possessing Identifying Info Concerning a Person [ 26F ) [ FEL ] ( 26F F ) XXXX XXXX Police Report # XXXX FTC Identity Theft Report Number : XXXX Equifax Credit Report Confirmation Number XXXX XXXX COMPLAINT Submission Dear XXXX XXXX , I am formally disputing fraudulent information appearing on my Equifax credit report due to identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I demand that all fraudulent accounts, inquiries, and inaccuracies be permanently blocked and removed within four ( 4 ) business days of receipt of this letter.

This identity theft has significantly harmed my ability to obtain housing, transportation, and financial stability, violating my rights under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ) and the Americans with Disabilities Act ( 42 U.S.C. 12101 et seq. ), as I care for a

XXXX XXXX child. I have enclosed the required supporting documents to validate my claim ; hence I am invoking my rights under the following consumer protection laws pursuant to : Applicable Consumer Protection & Privacy Laws Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Right to dispute inaccurate information ) Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 ( Protection against fraudulent debt collection ) Truth in Lending Act ( TILA ) 15 U.S.C. 1601 ( Lender violations in reporting debt ) Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( Unlawful credit discrimination ) Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq. ( Due to impact on my disabled child ) Fair Housing Act ( FHA ) 42 U.S.C. 3601 et seq. ( As I have been denied housing due to these fraudulent activities ) False Claims Act ( 31 U.S.C. 3729 ) ( Fraudulent claims involving identity theft-related financial activity ) 18 U.S.C. Code 8 ( Relating to fraud affecting financial institutions ) 18 U.S.C. Code 1028 ( Identity theft and fraud ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A consumer reporting agency ( XXXX, Equifax and XXXX must not furnish inaccurate information ) 15 U.S.C. 1681c ( a ) ( 5 ) ( No consumer reporting agency may report adverse information older than 7 years ) 15 U.S.C. 1681b ( a ) ( 2 ) ( A consumer reporting agency may not furnish a report without written instructions ) 15 U.S.C. 1681c-2 ( Consumers have the right to block fraudulent information ) XXXX XXXX Services Report ( XXXX XXXX XXXX ) Copy of my government-issued ID ( Drivers License/Passport ) Proof of residence ( Paycheck Stub ) I have attached copies of my FTC Identity Theft Report ( Report No. XXXX ) and XXXX XXXX Police Report # XXXX as proof of the crime. Additionally, I demand that all fraudulent accounts and unauthorized activity be permanently removed and blocked from my credit file.

Additionally, per 15 U.S.C. 1681c-2, I demand that all fraudulent accounts and inquiries be blocked immediately. Consumer reporting agencies must remove fraudulent information within four business days of receiving proper documentation.

Fraudulent Accounts to Be Blocked & Removed Immediately Under 15 U.S.C. 1681c-2, you are required to block the following fraudulent accounts within four business days : Fraudulent Public Record Information 1 . U.S. Bankruptcy Court Record o Account Number : XXXX o Status : XXXX  XXXX Bankruptcy ( Dismissed/Closed ) o Action Required : REMOVE IMMEDIATELY Fraudulent Credit Accounts XXXX. XXXX XXXX  o Account Number : XXXX o Status : Remains Incorrectly " verified '' despite evidence of fraud o Action Required : REMOVE IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Status : Remains Incorrectly " verified '' despite evidence of fraud o Action Required : REMOVE IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX o Status : Incorrectly " verified '' despite evidence of fraud o Action Required : REMOVE IMMEDIATELY XXXXXXXX XXXX XXXX XXXX o Account Number : XXXX o Status : Remains " verified '' despite evidence of fraud o Action Required : REMOVE IMMEDIATELY XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Status : Remains " verified '' despite evidence of fraud o Action Required : REMOVE IMMEDIATELY XXXX XXXX XXXX o Account Number : XXXX o Status : Remains " verified '' despite evidence of fraud o Action Required : REMOVE IMMEDIATELY Hard Inquiries Due to Fraud EQUIFAX Hard Inquiries ( Must Be Removed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( via Dealer ) XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ________________________________________ Impact on My Life and Discrimination Concerns Due to this identity theft and fraudulent credit reporting, I have been : Denied housing opportunities, violating the Fair Housing Act ( 42 U.S.C. 3601 et seq. ).

Denied access to transportation, limiting my ability to care for my XXXX  son, in violation of the Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq..

Experiencing ongoing financial hardship, as these fraudulent accounts negatively impact my creditworthiness. 
As noted in my XXXX XXXX Services Report, my minor XXXX child, has been diagnosed with XXXX, XXXX XXXX XXXX and XXXX, requiring ongoing XXXX XXXX  services. The financial harm caused by this identity theft directly impacts my ability to secure stable housing and resources for my XXXX son. 
________________________________________ Legal Basis for Immediate Credit Block & Removal Pursuant to 15 U.S.C. 1681c-2, I demand that all fraudulent accounts and inquiries be blocked immediately. Under this law, consumer reporting agencies must remove fraudulent information within four business days of receiving proper documentation.

I have attached the following supporting documents for verification : FTC Identity Theft Report ( Report No. XXXX ) XXXX XXXX Police Report ( XXXX ) Official Dispute Results ( Report No. XXXX ) showing unresolved fraudulent items XXXX. XXXX Services Report ( Supporting my XXXX discrimination claim ) Copy of my government-issued ID ( Drivers License/Passport ) Proof of residence ( Utility Bill or Bank Statement ) ________________________________________ Immediate Actions Requested 1. Permanently block and remove all fraudulent accounts and inquiries listed above.

2. Provide a free copy of my corrected credit report after the removal of fraudulent information.

3. Prevent further fraudulent activity by placing an extended fraud alert on my credit file.

4. Provide me with a complete list of entities that accessed my credit report without my consent in the past 24 months.

Legal Consequences for Non-Compliance Failure to comply with this request within four business days will result in legal action under the FCRA, FDCPA, TILA, ADA, FHA, and state consumer protection laws. If the fraudulent accounts are not blocked and removed, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) State Attorney Generals Office U.S. Department of Housing and Urban Development ( HUD ) for FHA violations ________________________________________ Response Deadline Please provide a written response within four business days confirming the immediate block and removal of fraudulent information.

I appreciate your prompt attention to this serious matter.

Regards XXXX XXXX XXXX  [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation