Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
IMMEDIATE REMOVAL DEMAND FORMAL DISPUTE UNDER FCRA SECTION 605b To Equifax, THIS IS NOT A REQUEST THIS IS A FORMAL DEMAND for the IMMEDIATE removal of fraudulent and inaccurate information on my credit report as mandated under Section 605b of the Fair Credit Reporting Act ( FCRA ). This law is crystal clear : fraudulent accounts MUST be removed once valid documentation is provided. I have attached my FTC Identity Theft Report as irrefutable proof that these accounts are fraudulent.

DISPUTED INFORMATION REMOVE IMMEDIATELY XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3800.00}. 
I am a victim of identity theft and I never opened this account. 

This fraudulent information is NOT MINE. It is the result of IDENTITY THEFT, and it is UNACCEPTABLE that it remains on my credit report, damaging my financial standing and credibility. 
DATA BREACH ALERT NEGLIGENCE IN CONSUMER PROTECTION Furthermore, given the recent massive data breaches affecting millions of consumers, it is highly likely that my personal information was compromised due to your FAILURE to safeguard sensitive data. Cybercriminals have exploited vulnerabilities in financial institutions, leading to widespread identity theft cases like mine. If your institution has been impacted by a data breach, you are OBLIGATED to act swiftly in removing any fraudulent activity from affected consumers credit files. 
DEMAND FOR ACTION I am demanding the IMMEDIATE REMOVAL of these fraudulent accounts within FOUR ( 4 ) DAYS from the receipt of this letter. Failure to comply will result in swift and aggressive legal action. If you refuse or delay the removal of these accounts, I will escalate this matter without hesitation to the following authorities : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC ) Legal Counsel for Civil and Financial Damages You have been WARNED. Non-compliance will not be tolerated.

SUPPORTING DOCUMENTATION ATTACHED To prevent any excuse for delay, I have enclosed : A copy of my government-issued ID ( e.g., drivers license or passport ) A copy of a utility bill as proof of my current address A copy of the FTC Identity Theft Report A copy of my Social Security card ( if required ) You are LEGALLY OBLIGATED to comply with my demand under the FCRA. If this fraudulent information is not removed IMMEDIATELY, you will face legal repercussions. 
This is your FINAL NOTICE. Take action NOW. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief