I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.