Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFTC Identity Theft Report XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLCXXXX XXXX XXXX FORMAL IDENTITY-THEFT DISPUTE & DEMAND FOR PERMANENT BLOCKING\n\nUNDER FCRA 15 USC 1681c-2 (605B), 15 USC 1681i, 15 USC 1681s-2, FERPA, UCC 1-308, 2-615XXXX XXXX XXXX XXXX (Deceptive Acts & Practices), and Federal Privacy Protections\n\nTo Whom It May Concern:\n\nI am submitting this formal notice that I am a confirmed victim of identity theft, fully supported by my FTC Identity Theft Reports and fraud documentation.\n(See attached evidence: FTC Report XXXX  references)\n\nAdditionally, my personal information was exposed in multiple confirmed data breaches, including:\n Equifax breachXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas stated in each FTC identity theft report)\n\nThis exposure places ALL accounts listed below into the category of high-risk compromised data, requiring immediate blocking.\n\n\n\nI. DEMAND FOR PERMANENT BLOCKING UNDER FEDERAL LAW\n\nUnder FCRA 15 USC 1681c-2 (Section 605B), once an identity theft report is provided, the credit bureau must block the fraudulent information within 4 business days.\n\nThis law requires deletion of:\n\t\tAny account resulting from identity theft\n\t\tAny account opened without my authorization\n\t\tAny inquiry, loan, collection, tradeline, or charge related to identity theft\n\t\tAny information resulting from the use of compromised personal data\n\n\n\nII. FEDERAL LAWS BEING INVOKED\n\n1. FCRA  15 USC Codes\n\t\t15 USC 1681c-2 (605B)  Mandates permanent blocking of identity-theft accounts.\n\t\t15 USC 1681i  Requires reinvestigation and removal of unverified or fraudulent items.\n\t\t15 USC 1681s-2(a)(1)(A)  Furnishers may NOT report inaccurate data.\n\t\t15 USC 1681b  Hard inquiries require permissible purpose, which identity-theft accounts NEVER provide.\n\t\t15 USC 6801-6809 (GLBA)  Failure to safeguard my data constitutes a privacy violation.\n\n\n\n2. FERPA LAW (Education Records & Student Loan Fraud)\n\nMy FTC reports list multiple fraudulent federal student loans.\nThis implicates FERPA (20 USC 1232g) because:\n\t\tAny unauthorized access to education-related records is a federal violation.\n\t\tMy data was exposed during national breaches, meaning no legitimate consent existed.\n\t\tAny student-loan-linked reporting to credit bureaus is unlawful when the records themselves were compromised.\n\n\n\n3. UCC Laws\n\nYou are hereby notified that I am asserting rights under:\n\t\tUCC 1-308  Reservation of rights; I do NOT waive any rights under federal consumer-protection law.\n\t\tUCC 2-615  Impossibility applies because I cannot be held responsible for contracts/loans that I did not sign, authorize, or execute.\n\t\tUCC Article 9  A creditor must show proof of a valid security agreement signed by the debtor, which does not exist for fraudulent loans.\n\nNo original wet signatures exist because these contracts were created by an identity thief.\n\n\n\n4. XXXX XXXX XXXX XXXX  Jurisdiction  Consumer Protection)\n\nYou operate, transmit, or store data in XXXX XXXX which invokes:\n\t\tGBL 349  Deceptive Acts & PracticesXXXX XXXX XXXXXXXX XXXX FCRA variant\n\nThese laws prohibit:\n\t\tReporting information that you know or should know is inaccurate\n\t\tFailing to protect consumer data\n\t\tContinuing to furnish fraudulent accounts after receiving an identity-theft complaint\n\n\n\nIII. ACCOUNTS THAT MUST BE BLOCKED IMMEDIATELY\n\n(ALL supported by your uploaded FTC reports)\n\nA. Fraudulent Federal Student Loans  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Auto LoanXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAll must be blocked.\n\n\n\nIV. HARD INQUIRIES\n\nUnder 15 USC 1681b(f), any inquiry not authorized by me must be deleted.\nAll inquiries associated with the above fraudulent accounts are unlawful.\n\n\n\nV. REQUIRED ACTION (WITHIN 4 DAYS)\n\nYou are legally required to:\n\t1.\tBlock ALL fraudulent accounts under 605B\n\t2.\tRemove ALL unauthorized hard inquiries\n\t3.\tContact the furnishers and notify them of the identity-theft block\n\t4.\tProvide me with an updated credit report reflecting ALL deletions\n\nFailure to comply constitutes violations of:\n Federal FCRA\n FERPA (for student loan data)\n UCC commercial lawXXXX XXXX XXXXXXXX GLBA privacy laws\n\n\n\nVI. CEASE REPORTING\n\nUnder 15 USC 1681s-2(a)(1)(A), furnishers may not report information they know is inaccurate.\nYou are hereby ordered to cease and desist reporting ALL accounts tied to identity theft.\n\n\n\nVII. SIGNATURE\n\nI declare under penalty of perjury that all information provided is true and accurate.\nAsking for monetary compensation for punitive damages.\n\nSignature: XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation