Consumer complaint received 2025-12-03 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:
XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFXXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX Re : Formal Identity Theft Notice & Demand for Permanent Deletion of Fraudulent Accounts Under FCRA 605B, 611, 623 & FACTA To Whom It May Concern : I am submitting this formal written dispute, identity theft report, and request for immediate action regarding three fraudulent accounts reporting on my Equifax credit file. I did not authorize, apply for, or engage in any business with the companies listed below, and these accounts were created through criminal identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$18000.00} These accounts do not belong to me under any circumstance. I have never lived in those counties, never received correspondence from these entities, never signed any documents, and never opened any obligations matching these accounts. Their presence on my Equifax credit report is a direct result of identity theft. 
Data Breach Exposure Confirming Identity Theft I recently confirmed that my personal identifying information ( PII ) was exposed in multiple major security breaches, including : XXXX XXXX XXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Breach These breaches exposed sensitive information such as my name, address history, phone number, Social Security number, and moreplacing me at high risk for identity theft, which has now occurred. 
FCRA & FACTA Legal Authority Requiring Immediate Deletion Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Equifax is required by federal law to block and permanently delete all information resulting from identity theft. 
Specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) requires the CRA to block all information that results from identity theft within 4 business days upon receiving an identity theft report.

FCRA 611 requires a full reinvestigation and correction of inaccurate or fraudulent information.

FCRA 602A & 607 ( b ) mandate maximum possible accuracymeaning fraudulent accounts can not legally remain.

FCRA 623 ( a ) ( 6 ) prohibits furnishers from reporting information they know or should know is fraudulent.

FACTA Identity Theft Provisions require consumer reporting agencies to implement procedures to prevent and remove identity theft data once notified.

I am formally requesting enforcement of all federal protections available to me under the law. 
My Demand for XXXX XXXX to the above federal statutes, I demand the following : Immediate and permanent deletion of all fraudulent accounts listed above.

Blocking of these items under FCRA 605B.

Written confirmation from Equifax stating : Each account has been permanently removed.

These accounts will not be reinserted without full certification of accuracy as required by FCRA 611 ( a ) ( 5 ) ( B ).

A revised and updated Equifax credit file showing these fraudulent items deleted.

Notification sent to any third party who received these fraudulent entries, as required by FCRA 611 ( d ).

Included Documents I am submitting the following supporting documentation : FTC Identity Theft Affidavit Government-issued photo ID Proof of address Copies of my credit report showing the fraudulent accounts Final Notice These accounts were obtained through criminal identity theft, and Equifax is legally obligated to protect victims and prevent the continued reporting of fraudulent data. Any refusal, negligence, or failure to comply will be documented and immediately escalated to the Consumer Financial Protection Bureau as well as additional state and federal authorities if needed.

Please complete this correction immediately and provide written confirmation. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief