Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft and Data Breaches Immediate Removal Demanded To Whom It May Concern : I am writing to formally dispute and demand the immediate removal of fraudulent accounts listed on my credit report maintained by your agency. These accounts were opened without my knowledge or consent and are directly connected to identity theft following the XXXX Equifax data breach, among others. As a result of your agencys failure to safeguard consumer data, my personal informationincluding my name, Social Security number, address, and date of birthwas exposed to criminals. 
I did not authorize or open the accounts in question. 
I am a confirmed victim of identity theft, which I believe directly stems from your companys massive security failure in XXXX, affecting over XXXX XXXX Americans, including myself. 
I am asserting my rights under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act FCRA ), which provides that identity theft-related information must be blocked from consumer reports upon request and with proper documentation. 
I have included a police report, FTC Identity Theft Report, and other relevant documents supporting my claim. 
Federal law and legal precedent are on my side : Under the FCRA ( 15 U.S.C. 1681i ( a ) ), you are required to conduct a reasonable reinvestigation of any disputed information within 30 days and delete or correct inaccurate or unverifiable information.

In Cushman v. Trans Union Corp.XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the court held that credit bureaus must go beyond a superficial investigation when a consumer files a dispute, particularly when the dispute involves identity theft. 
The Equifax breach settlement and investigations by the Federal Trade Commission, CFPB, and 50 U.S. states confirmed your liability in failing to protect consumer data. 
This is a formal demand that you immediately : Remove all fraudulent accounts and inquiries related to identity theft from my credit file. 
Block all disputed information under the authority of 15 U.S.C. 1681c2.

Provide written confirmation that these accounts have been removed and will no longer be reported. 
Cease any further dissemination of this fraudulent data to third parties. 
Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General, and I will pursue all available legal remedies including statutory damages, punitive damages, attorneys fees, and injunctive relief under the FCRA and other applicable consumer protection statutes. 
This is your opportunity to correct your records and avoid escalation. You have 30 days from receipt of this letter to respond in full. 
Sincerely, XXXX XXXX Enclosures : Copy of Drivers License / ID Copy of Social Security Card FTC Identity Theft Report Proof of data breach

Company response to consumer: Closed with explanation