Consumer complaint received 2025-08-28 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 XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Identity Theft Dispute Immediate Deletion of Fraudulent Accounts and Inquiries New FTC Complaint # : XXXX To Whom It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent and unauthorized account information on my Equifax credit file. This letter serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable state laws.

Identity Theft Report and Notice of Dispute I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the result of identity theft : Fraudulent Accounts to be Removed XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$32000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX XXXXXXXX Reported Balance : {$5000.00} Past Due : {$270.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Acct ending XXXX XXXX Reported Balance : {$920.00} Past Due : {$460.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending XXXX  XXXX Reported Balance : {$37000.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$2500.00} Status : Pays as agreed Opened : XX/XX/XXXX Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX Acct ending * XXXX Reported Balance : {$6000.00} Past Due : {$140.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Legal Basis for Immediate Deletion Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report data they know or should know is inaccurate. Reporting these fraudulent accounts after receipt of this identity theft dispute constitutes willful noncompliance with the FCRA and exposes Equifax to liability for statutory and punitive damages.

I hereby demand that Equifax : 1. Cease and desist reporting, collecting, or communicating any data related to the fraudulent accounts listed above. 
2. Delete all records of the fraudulent accounts from my credit file.

3. Block further dissemination or sale of my personal data without express written consent.

4. Notify all furnishers and credit bureaus of the removals.

5. Provide written confirmation of compliance within five ( 5 ) calendar days of receipt of this notice.

Enclosures Copy of FTC Identity Theft Report Copies of supporting evidence/documentation ( e.g., police report, affidavit, proof of identity ) Notice of Enforcement Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorneys general. I also reserve the right to pursue civil litigation for statutory, actual, and punitive damages. 

I expect your prompt compliance and written confirmation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation