Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX CFPB COMPLAINT I am filing this complaint against Equifax for unlawfully reporting fraudulent identity theft accounts that are listed in my Federal Trade Commission Identity Theft Report. My FTC Report XXXX. XXXX confirms that I am a victim of identity theft XXXX lists the following fraudulent accounts appearing on my credit report : XXXX XXXX XXXX XXXX. account ending XXXX XXXX XXXX XXXX Delaware account ending XXXX. I discovered both in XX/XX/year> XXXX I did not open, authorize, or benefit from these accounts in any way. Equifax has a legal duty under XXXX XXXX. XXXX XXXX block information resulting from identity theft within XXXX business days after receiving a valid identity theft report XXXX proof of identity. I have provided the required FTC report and identification documents. Equifaxs continued publication of these fraudulent tradelines after receipt of that documentation is a direct violation of federal law. Equifax is further violating XXXX XXXX. XXXX ( b ), which requires reasonable procedures XXXX assure maximum possible accuracy, and XXXX XXXX. XXXX, which requires a reasonable reinvestigation of disputed information. It is not reasonable XXXX continue reporting accounts specifically identified in an FTC Identity Theft Report as fraudulent. Any automated or cursory verification is legally insufficient where identity theft documentation has already been submitted. I demand the immediate deletion XXXX permanent block of the following fraudulent accounts from my Equifax credit file : XXXX XXXX XXXX XXXX XXXX XXXX account ending XXXX XXXX. XXXX XXXX Delaware, account ending XXXX I also demand that Equifax provide written confirmation that these accounts have been blocked from reappearance XXXX will not be reinserted except in strict compliance with XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). If Equifax claims the accounts were verified, then I demand the complete method of verification, all documents reviewed, all communications with furnishers, the identity of every person contacted, XXXX the full description of the reinvestigation process. Equifaxs conduct has harmed my credit reputation XXXX interfered with my ability to obtain fair access XXXX credit. I reserve my rights to seek statutory XXXX actual damages under XXXX XXXX. XXXX XXXX XXXX for willful or negligent violations of the FCRA. Equifax is also on notice for violations of California XXXX XXXX XXXX ( b ) for reporting information it knew or should have known was inaccurate after receipt of my identity theft report, XXXX California XXXX XXXX XXXX for failure XXXX conduct a lawful reinvestigation. The law does not permit a bureau XXXX ignore a valid FTC identity theft filing XXXX continue reporting fraudulent accounts. Delete XXXX block these accounts immediately. If Equifax fails XXXX do so, I will pursue legal action for statutory damages, actual damages, costs, XXXX all available remedies. Attachments : FTC Identity Theft Report XXXX. XXXX XXXX of XXXX XXXX XXXX of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief