Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
XXXX Equifax Letter XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX DOB : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud Department Attention Supervisor XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries RE : Formal Demand to Cease and Desist Reporting of Fraudulent Activity Under FCRA and FDCPA To Whom It May Concern : I, XXXX XXXX, am writing to formally dispute the presence of fraudulent, inaccurate, and unauthorized account information and credit inquiries currently reported on my Equifax credit file. This correspondence serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable federal and state laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have submitted a formal Identity Theft Report to the Federal Trade Commission ( FTC ) as provided under 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the direct result of identity theft. 



FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX XXXX Account No. : XXXX Reported Balance : {$6000.00} Opened : XX/XX/XXXX Past Due : {$140.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Reported Balance : {$24000.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Reported Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2500.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$37000.00} XXXX. XXXX  XXXX XXXX XXXX Account No. : XXXX Reported Balance : {$920.00} 7. XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$510.00} FRAUDULENT CREDIT INQUIRIES TO BE REMOVED : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MO XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Date of Inquiry : XX/XX/XXXX LEGAL BASIS FOR IMMEDIATE ACTION Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report data they know or reasonably should know to be inaccurate. Continued reporting of fraudulent or disputed accounts and inquiries constitutes willful noncompliance with the FCRA and is actionable.

You are formally instructed to : 1. Immediately cease and desist all reporting, collection, and communication regarding the accounts and inquiries listed above.

2. Delete all records related to the fraudulent items from your databases.

3. Prevent further sharing or sale of my personal data without express written consent.

4. Notify all relevant parties and bureaus of the removal.

5. Confirm compliance in writing within five ( 5 ) calendar days of receipt of this letter.

ENCLOSURES : FTC Identity Theft Supporting Evidence and Documentation NOTICE OF ENFORCEMENT Should you fail to respond appropriately, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. Additionally, I reserve the right to initiate legal action seeking actual, statutory, and punitive damages for any continued reporting of false or unauthorized data. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief