Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Fraudulent Accounts Demand for Permanent Deletion Pursuant to FCRA and Federal Law To Whom It May Concern, This is a formal dispute regarding three fraudulent and unauthorized accounts currently being reported on my XXXX  credit report. I did not authorize, apply for, or open these accounts. I have submitted an FTC Identity Theft Affidavit, and therefore demand immediate and permanent deletion of the following accounts : Accounts in Dispute XXXX  XXXX XXXX : {$9400.00} This account was previously deleted but was unlawfully re-inserted by Equifax customer service representatives. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit reporting agency may not reinsert any previously deleted information unless the furnisher certifies its accuracy in writing and the consumer is notified within 5 business days of the reinsertion. I received no such notice, making this a willful violation of the FCRA. 
XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXX : {$1500.00} Legal Grounds for Deletion These accounts are the result of identity theft, and your continued reporting of them constitutes a violation of several federal consumer protection laws : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires the blocking of information resulting from identity theft upon receipt of an identity theft report.

15 U.S.C. 1681i : Requires reinvestigation and mandates deletion if disputed information can not be verified.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted information without proper certification and written consumer notice.

15 U.S.C. 1681e ( b ) : Requires procedures to assure maximum possible accuracy.

15 U.S.C. 1681b & 1681b-2 : Limits permissible use and access of credit data to cases involving explicit consumer consent.

15 U.S.C. 1681 ( o ) : Establishes liability for willful noncompliance with the FCRA.

31 U.S.C. 5118 : Prohibits enforcement of debt obligations contrary to federal monetary policy.

18 U.S.C. 1028A : Criminalizes aggravated identity theft and the knowing use of stolen identity information.

Demand for Action Permanently delete all three fraudulent accounts from my TransUnion credit file.

Immediately cease and desist from further reporting of these accounts.

Provide written confirmation of deletion within 15 business days.

Notify each furnisher that the accounts have been removed under FCRA 605B and are no longer allowed to be reported.

Included With This Letter : FTC Identity Theft Affidavit Government-issued photo ID Proof of current address Failure to comply will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office for willful violations of the Fair Credit Reporting Act under 616 and 617. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation