Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to request the immediate blocking and deletion of certain fraudulent accounts from my credit report, pursuant to my rights under federal law The breach was a direct violation of the companys duty to protect the personal information of consumers and subjected millions of individuals, including myself, to the risk of identity theft. 
As a result of this breach, I have been a victim of identity theft, with fraudulent accounts being opened in my name without my consent. Under 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these fraudulent items blocked from my credit report. 
Applicable Law : 15 U.S. Code 1681c-2 ( a ) According to this law, a consumer reporting agency such as Equifax is required to block the reporting of any information in a consumers credit file that the consumer identifies as a result of identity theft, provided the consumer submits : 1. Proof of identity 2. A copy of an identity theft report ; 3. Identification of the fraudulent information ; 4. A statement that the information is not related to any transaction by consumer. Proof of identity ; A copy of an identity theft report ; Identification of the fraudulent information ; and the compliance with this legal requirement, I am providing : fraudulent proof of my identity ( enclosed ). A copy of my identity theft report ( enclosed ). A list of the fraudulent accounts ( provided below ). A statement affirming that these accounts were not authorized by me and are The following accounts were opened without my consent and must be blocked and permanently deleted from my 15 U.S. Code 1681c-2 ( a ) Obligation to Remove Fraudulent Information 15 U.S. Code 1681s-2 ( a ) ( 6 ) Duty to Block Identity Theft-Related Information 15 U.S. Code 1681e ( b ) Duty to Maintain Maximum Accuracy 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requirement for a Reasonable Investigation 15 U.S. Code 1681c ( a ) Prohibition on Reporting Obsolete Information 15 U.S. Code 1681g ( a ) Right to Clear and Accurate Information 15 U.S. Code 6801 Protection of Nonpublic Personal Information 15 U.S. Code 6802 Restrictions on Disclosure of Consumer Information 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) Prohibition of Unfair and Deceptive Practices Additionally, Experian and Equifax are currently facing lawsuits by the CFPB for failing to properly investigate consumer disputes. Given this legal precedent, I demand that my dispute be handled with heightened scrutiny and NOT be processed through the flawed e-OSCAR system. You are legally required to conduct a manual, thorough reinvestigation in compliance with FCRA 1681i ( a ) ( 1 ) ( A ) and FACTA 312. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPTEDXXXX  Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
REQUESTED ACTIONS Immediately remove all fraudulent accounts and unauthorized hard inquiries. Provide written confirmation of the deletions. Send me an updated copy of my credit report reflecting the corrected information. 
CEASE AND DESIST NOTICE This letter serves as a formal demand that Experian, Equifax, and all involved furnishers immediately cease and desist from : Reporting fraudulent accounts and inquiries Using e-OSCAR or other automated systems to process my disputes Providing false and misleading information to third parties If this illegal activity continues, I will pursue full legal action under 15 U.S. Code 1681n and 1681o for willful and negligent non-compliance with the FCRA. 
AFFIDAVIT OF TRUTH I, XXXX { XXXX }, under penalty of perjury, affirm the following : 1. The unauthorized hard inquiries listed above were not initiated by me. 
2. My personal information was compromised in the XXXX Equifax Data Breach 3. The presence of these accounts is damaging my financial well-being and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief