Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16856344

Complaint Overview

Complaint ID: 16856344

Company: Equifax, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Information belongs to someone else

State: Florida

ZIP Code: 34471

Date Received: 2025-10-27T12:00:00-05:00

Date Sent to Company: 2025-10-27T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Fl, XXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Re : Forensic + FTC Identity Theft Dispute and Fraud Alert Request Subject : Identity Theft XXXX XX/XX/year> Data Breach ( Exposure of Names, SSNs, Dates of Birth ) Shutdown ) FTC Affidavit Attached ( Identity Theft Affidavit in Lieu of Report ID Government Dear XXXX XXXX XXXX XXXX : I am submitting this formal identity theft dispute and forensic data integrity demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 604, 606, 611, 623, and 626617, following your XX/XX/year> data breach that exposed consumer names, Social Security numbers, and dates of birth. As a verified victim of this breach, I am exercising my rights under FCRA 605B to dispute and demand the blocking and permanent deletion of all unverifiable, inaccurate, or fraudulent accounts arising from unauthorized access to XXXX data systems. Because of the ongoing federal government shutdown, I am unable to submit a formal FTC IdentityTheft.gov Report. Accordingly, I have enclosed a sworn and notarized FTC Identity Theft Affidavit, which fulfills the documentation requirements under FCRA 605B ( a ) ( 2 ). 1. Identity Theft and Forensic Audit Demand Under FCRA 605B ( b ), XXXX must block all information that results from alleged identity theft within four ( 4 ) business days of receiving : A valid identity theft affidavit or police report ; and Sufficient proof of my identity. I am demanding that XXXX conduct a forensic audit of all data files, subscriber access logs, and matching logic linked to my personally identifying information ( PII ). This audit must include : All subscriber IDs and permissible purpose inquiries under FCRA 604 ; Verification and source documentation for each disputed item ; and Review of all internal access logs related to the XX/XX/year> data breach. Pursuant to FCRA 623 ( a ) ( 1 ) ( A ), XXXX is prohibited from continuing to report any information that it knows or has reason to believe is inaccurate. Any failure to suppress or delete fraudulent data after receipt of this notice constitutes willful noncompliance under 15 U.S.C. 1681n. 2. Negative Accounts and Fraudulent Data to Be Blocked/Deleted The following accounts are being disputed as fraudulent and must be blocked and permanently deleted from my XXXX credit file under FCRA 605B : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fraud Alert and Consumer Statement Pursuant to FCRA 605A, I request that you immediately place a 1-year fraud alert on my file and include the following consumer fraud statement : This consumer has been the victim of identity theft and is disputing certain accounts as fraudulent. Creditors must verify identity directly with the consumer before opening or extending credit. 4. Required Response and Notice Under federal law, you must : 1. Block and delete the above-referenced information within four ( 4 ) business days ( 605B ( b ) ) ; 2. Provide written confirmation of the deletions and an updated credit disclosure report ; and 3. Identify all furnishers and subscribers who have accessed or reported disputed data within the last 24 months. Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office for investigation of noncompliance, negligence, and breach-related liability. Attachments 1. FTC Identity Theft Affidavit ( submitted in lieu of XXXX Report Government Shutdown ) 2. XXXX Breach Notice ( XX/XX/year> ) 3. Government-Issued Photo ID ( Copy ) 4. Proof of Current Address ( Utility Bill or Lease Copy ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX I demand proof XXXX contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the account or block this fraudulent account in 4 days. FCRA 611 15 U.S.C 16811

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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