Consumer complaint received 2024-12-25 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: MA

Complaint narrative:
Subject : Identity Theft Dispute Pursuant to FCRA 605B To Whom It May Concern, This letter serves as a formal demand to rectify and suppress all fraudulent and unauthorized information on my credit report, as detailed herein and pursuant to the Fair Credit Reporting Act ( FCRA ) 605B. I demand immediate action to address the aforementioned inaccuracies. Your compliance is expected to prevent further harm and uphold your obligations under federal law. 

Pursuant to FCRA 605B, you are legally required to block all fraudulent accounts and remove unauthorized inquiries within 4 days of receiving this dispute and the herein-mentioned documentation. 

As previously referenced, I was a victim of the Equifax data breach, one of the largest breaches in history, which compromised the personal information of millions of individuals, including sensitive data such as Social Security numbers and financial records. This breach most definitely played a critical role in the unauthorized access and misuse of my personal information, resulting in the fraudulent accounts and inquiries outlined below. 

Fraudulent Accounts ( I dispute the following ) : XXXX : Date Opened : XX/XX/XXXX, Amount : {$1200.00} XXXX XXXX : Date Opened : XX/XX/XXXX, Amount : {$560.00} XXXX XXXX XXXX : Date Opened : XX/XX/XXXX, Amount : {$0.00} XXXX : Date Opened : XX/XX/XXXX, Amount : {$590.00} XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX, Amount : {$640.00} Unrelated Unauthorized Inquiries ( I dispute the following ) : XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX The harm caused by these unrecognized and unauthorized accounts and inquiries has been significant, severely damaging my creditworthiness, financial stability, and mental well-being. These inaccuracies have magnified the financial and emotional toll on my family as we recover from a natural disaster. A strong storm hit our area on a rainy day, causing the roof of our home to rupture and sustain significant damage. As a result, rainwater poured into the house, damaging the structure, our belongings, and essential property. The aforementioned fraudulent accounts and inquiries have further delayed my ability to rebuild stability and provide for my family. 

It is also critical to note that, in my efforts to resolve these inaccuracies, I hired multiple reputable credit repair companies, fully authorized to act on my behalf as permitted by law. Despite this, the credit bureaus employed various cunning and obstructive methods to stall their work, disregarding my lawful authorization and delaying necessary corrections to my credit report. Such actions have magnified the harm caused by the herein-detailed inaccuracies and undermined my rights under the FCRA. 

Failure to address this matter in a timely and lawful manner will result in formal complaints to the 1Attorney General 's office, as well as potential legal action to seek damages for the harm caused. 

Enclosed, you will find the following supporting documents for your records and in compliance with your identification requirements : 1. A copy of my FTC Identity Theft Report ( # XXXX ). 


2. A copy of my government-issued ID.

3. Proof of address. 



Please direct all correspondence regarding this dispute to my email address at XXXX. I request written confirmation that the requested actions have been completed within 4 days of your receipt of this letter, as required under FCRA 605B. Failure to comply herein constitutes a violation of federal law and will result in escalated legal actions. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief