Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft and that fraudulent information is being reported on my credit file. My Social Security number has been compromised, and I have taken immediate action to address this matter by filing the following : FTC Identity Theft Report Complaint # : XXXX Under the Fair Credit Reporting Act ( FCRA ) and related federal statutes, I am requesting that you block and permanently delete all items resulting from identity theft. Specifically, the following account is fraudulent and does not belong to me : Creditor : XXXX XXXX Account Number : XXXX Legal Grounds for Immediate Deletion 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Blocking You are legally obligated to block and delete all fraudulent information within 4 business days of receiving : A valid identity theft report ( FTC ) Proof of my identity A statement identifying the disputed account All of this documentation has now been provided. Your continued reporting of this account is a violation of this statute. 
2. FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate You are also required to reinvestigate any disputed item and delete information that can not be verified with a reasonable investigation. The XXXX XXXX account can not be verified as legitimate because it was not authorized by me and is the result of identity theft. 
3. FCRA 623 ( a ) ( 6 ) ( B ) Duties of Furnishers After Notice of Identity Theft XXXX XXXX, as a data furnisher, must cease reporting any information that is the result of identity theft once notified. You are required to act in accordance with this law and remove the account immediately.

4. FCRA 607 ( b ) Maximum Possible Accuracy All information included in a consumer report must be accurate. Continuing to report false or fraudulent data is a direct violation of this provision.

5. FACTA Red Flags Rule 16 CFR 681.2 Given the presence of an FTC Identity Theft Report and active dispute, this account meets the legal definition of a " red flag. '' Failure to block or remove such items is a breach of your obligation to detect and respond to identity theft indicators.

6. FCRA 1681n & 1681o Civil Liability If this account is not deleted within the legally required timeframe, you may be subject to civil liability for willful or negligent noncompliance, including actual, statutory, and punitive damages, as well as attorneys fees.

Request for Action I hereby demand the following under federal law : 1. Immediate permanent deletion of the XXXX XXXX account ( Acct # : XXXX ) XXXX. Written confirmation that this account has been removed from my credit file XXXX. An updated copy of my full credit report reflecting the deletion 4. Notification to all third parties who received my credit report in the past six ( 6 ) months, per FCRA 1681i ( d ) Thank you for your immediate attention to this serious matter. I expect full compliance with all applicable federal laws within 10 business days from the date of this letter.

Company response to consumer: Closed with explanation