Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
RE : Formal Demand for Removal of Compromised Accounts and Immediate Action Due to Identity Theft. XXXX  This letter serves as a final demand regarding multiple compromised accounts listed on my credit report that are the direct result of identity theft and a data breach in which my personal information was compromised. There are also account disputes that have not been updated within 30 days and that are reported inaccurately and incompletely. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and related federal and state laws. XXXX Over 30 days ago, I sent you a certified dispute letter ( return receipt requested ) regarding these compromised, inaccurate and incomplete accounts and demanded a reinvestigation in accordance with 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). You received this correspondence and the enclosed evidence, which included proof of identity theft, yet these accounts remain on my credit report with no justified resolution or removal. XXXX  According to 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), you are required to block or remove any information resulting from identity theft when provided with proper notice, including : XXXX  A copy of a police report or FTC Identity Theft Report, XXXX  Identity Theft Affidavit XXXX  A statement from the consumer, XXXX  You are now in violation of this statute for continuing to report inaccurate and fraudulent data after being properly notified. The continued reporting of these accounts is causing me harm, obstructing financial opportunities, and violating my rights under federal law. XXXX  I am now formally demanding that you : XXXX  Immediately delete or block all incomplete and inaccurately reported accounts and compromised accounts associated with the identity theft and data breach. XXXX  Immediately delete Fraud Alert Statements or any other statements from my report. XXXX  Provide me with a written statement of your reinvestigation results as required by law. XXXX  Cease and desist from continuing to report false, unauthorized, unverifiable, and disputed information. XXXX  Should you fail to comply within 15 days, I will take legal action against your agency for willful noncompliance and negligent violation of the FCRA in addition to seeking damages through civil litigation under 15 U.S. Code 1681n and 1681o. XXXX  I expect full compliance and removal of the following disputed accounts without delay. This is your final notice before legal action : XXXX  Reported Creditor : XXXX  XXXX XXXX Reported Date Opened : XX/XX/XXXXXXXX  XXXX  Reported Acct # : XXXX XXXX Dispute : Reinvestigation not completed and updated within 30 days XXXX Dispute : Information Incomplete & Inaccurately reportedXXXX Dispute : Account Status is a result of data breach and identity theft XXXX Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX XXXX XXXX XXXX  Reported Date Opened : XX/XX/XXXXXXXX  XXXX  Reported Acct # : XXXX XXXX  Dispute : Reinvestigation not completed and updated within 30 days XXXX Dispute : Information Incomplete & Inaccurately reportedXXXX Dispute : Account Status is a result of data breach and identity theft XXXX  Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX XXXX XXXX XXXX  Reported Date Opened : XX/XX/XXXXXXXX XXXXXXXX  Reported Acct # : XXXX XXXX  Dispute : Reinvestigation not completed and updated within 30 days XXXX  Dispute : Information Incomplete & Inaccurately reportedXXXX Dispute : Account Status is a result of data breach and identity theft XXXX  Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX XXXX  Reported Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX  Reported Acct # : XXXX XXXX  Dispute : Reinvestigation not completed and updated within 30 days XXXX  Dispute : Information Incomplete & Inaccurately reportedXXXX  Dispute : Account Status is a result of data breach and identity theft XXXX  Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX XXXX XXXX  Reported Original Creditor : XXXX XXXX XXXX XXXX  Reported Date Opened : XX/XX/XXXXXXXX  XXXX  Reported Acct # : XXXX XXXX  Dispute : Reinvestigation not completed and updated within 30 days XXXX Dispute : Information Incomplete & Inaccurately reportedXXXX  Dispute : Account Status is a result of data breach and identity theft XXXX  Demanded Action : Block and Remove immediatelyXXXX

Company response to consumer: Closed with non-monetary relief