Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
RE : Request for Deletion of Negative Items Due to Data Breach FCRA & Georgia State Law Compliance To Whom It May Concern, I am writing to formally request the immediate deletion of any negative items from my credit report that are related to the Equifax data breach that occurred or any subsequent unauthorized access to my personal and financial information. The inclusion of these negative items, appears to be a direct result of the breach, and I request that they be removed promptly. 

As a resident of Georgia, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ), Georgia 's Fair Lending Act, and Georgia Identity Theft Protection Act, all of which mandate that consumer reporting agencies take appropriate actions in cases of identity theft, fraud, or data breaches. These protections include, but are not limited to : 1. FCRA Section 605B : This section allows consumers to request the deletion of fraudulent information on their credit reports that results from identity theft. As the data breach directly impacted my personal data, I am exercising my rights under this section.

2. Georgia Fair Lending Act ( O.C.G.A. 7-6-26 ) : This law provides consumers in Georgia with the ability to dispute and remove credit reporting errors, especially those that arise from fraud or identity theft.

3. Georgia Identity Theft Protection Act ( O.C.G.A. 10-1-393.8 ) : This statute requires businesses to provide clear remedies for consumers affected by identity theft, including the removal of incorrect or fraudulent information from credit reports. 

Further, I am also invoking my rights under the Consumer Financial Protection Bureau ( CFPB ), which enforces rules regarding credit reporting and data breach protections. As per CFPB guidelines, consumers who are victims of data breaches or identity theft should be given the opportunity to dispute and delete inaccurate items promptly.

Given that the negative items on my report are likely related to the data breach or unauthorized access of my personal information, I am requesting the following : 1. A thorough investigation of all negative items listed on my credit report that are related to the breach.

2. Immediate deletion of all items that were caused or influenced by identity theft or unauthorized use of my personal data. 
XXXX. Confirmation in writing that these items have been deleted and that my credit report has been corrected. 

You are required to act on this request in accordance with both state and federal law. I am providing a strict deadline of XXXX business days from the date of this letter for resolution. If I do not receive a satisfactory response or confirmation within that time, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office for violation of the FCRA, Georgia Identity Theft Protection Act, and Georgia Fair Lending Act. 

Please consider this a formal demand for the immediate resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation