Consumer complaint received 2026-04-08 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: TX

Complaint narrative:
This is my second formal dispute and final demand under the Fair Credit Reporting Act. On XX/XX/XXXX, I filed FTC Identity Theft Report # XXXX, a sworn statement under penalty of perjury, confirming that more than XXXX fraudulent XXXX accounts ( plus resulting collections and inquiries ) were opened in my name without my knowledge, consent, or benefit. A complete copy is attached. On XX/XX/XXXX, I sent certified-mail disputes to all three bureaus demanding immediate blocking and permanent deletion under FCRA 605B ( 15 U.S.C. 1681c-2 ). Those accounts have not been removed. You are now in violation of the FCRA for failing to block this identity-theft information within the required XXXX ( XXXX ) business days. Pursuant to FCRA XXXX, you MUST immediately block and permanently delete ALL of the following fraudulent items from my file. XXXX XXXX verified responses are unacceptable and will be treated as willful noncompliance. You must perform a manual reinvestigation and provide me with copies of any documents you claim verify these accounts. DEMAND FOR IMMEDIATE DELETION ALL XXXX XXXX XXXX ACCOUNTS ( Still appearing on my Experian report dated XX/XX/XXXX, pages XXXX all show CO, 1617 potentially negative months, and past-due balances ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} All Negative Inquiries ( including XXXX XXXX XXXX, XX/XX/XXXX, and any others ). None of these accounts or inquiries are mine. I never applied for them, never received goods/services, and never authorized any creditor to report them. They resulted directly from identity theft. DEMANDS Within XXXX business days Block and permanently delete every item listed above under FCRA 605B. Within 30 days Send me an updated credit report showing all deletions and copies of any verification documents you relied upon ( I reject any automated verified response ). Cease all reporting of these items to any other party ( XXXX compliance required ). Enclosed with this letter is a copy of my identification to verify my identity, as required under FCRA. I have provided everything necessary to validate my identity ; therefore, do not utilize automated response systems to request further verification as a delay tactic, as this will be viewed as a willful violation of the FCRA. Please confirm in writing once these accounts have been removed. SSN : XXXX Failure to comply will constitute willful violation of the FCRA. I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), state Attorney General, and pursue statutory damages of {$1000.00} per violation plus actual and punitive damages under 15 U.S.C. 1681n. I have already involved the FTC and CFPB. This dispute is not made in error, and I certify under penalty of perjury that I did not receive any benefit from these fraudulent transactions. Thank you for your immediate compliance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation