Consumer complaint received 2025-05-25 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: MO

Complaint narrative:
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Intent to Sue Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter serves as formal notice of my intent to initiate legal action against Equifax Information Services LLC for your willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding your handling of my identity theft complaint and your continued reporting of a fraudulent XXXX XXXX account on my credit file. 

As previously reported through multiple complaints via the Consumer Financial Protection Bureau ( CFPB ), I am a victim of identity theft, and my personal information was compromised as a result of a data breach involving your company. I have clearly stated that the XXXX XXXX account appearing on my credit report does not belong to me and is the result of identity theft. 

According to 15 U.S. Code 1681c-2 ( FCRA 605B Block of information resulting from identity theft ), upon receiving appropriate documentation from a consumer alleging identity theft, a credit reporting agency must block the reporting of such information within four ( 4 ) business days, and may not wait to complete an investigation before doing so. The relevant portion of the statute is as follows : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of '' ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Despite my compliance with these requirements, you have failed to remove the fraudulent XXXX XXXX account from my credit file within the mandated timeframe. This constitutes a clear and willful violation of federal law. 

The FCRA also outlines penalties for willful and negligent noncompliance under : 15 U.S. Code 1681n Civil liability for willful noncompliance ( entitles the consumer to actual damages, statutory damages of {$100.00} {$1000.00} per violation, punitive damages, and attorneys fees ).

15 U.S. Code 1681o Civil liability for negligent noncompliance ( entitles the consumer to actual damages and attorneys fees ).

Should you continue to ignore your legal obligations and fail to immediately delete the fraudulent XXXX XXXX account from my credit report, I will proceed with filing a lawsuit in federal court seeking all available legal remedies, including statutory damages, actual damages, punitive damages, and attorneys fees. 

Demand : I demand that Equifax immediately and permanently delete the XXXX XXXX account from my credit report and provide written confirmation of this removal within 10 calendar days of the date of this letter. 

Failure to comply will result in formal legal proceedings without further notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation