Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
After reviewing my credit report in the last few months, I have come across multiple fraudulently opened accounts on my report resulting from a data breach and identity theft. Back in XXXX of XXXX, I have sent letter to each credit bureau requesting that they block and delete the fraudulent accounts listed on my report that were also enclosed in the letter. To date, I have yet to receive any resolution from the bureaus and I am now requesting an immediate deletion of the accounts below. Here is a copy of the letter that was sent to the bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Round XXXX Re : Identity Theft Fraudulent Accounts Request to Block Under FCRA XXXX / Dispute Under XXXX To Whom It XXXX Concern : I am writing because I have become aware that, following a data breach and resulting identity theft, fraudulent accounts were opened in my name and are currently being reported on my credit file. These accounts are not mine. I am requesting that you block and delete them IMMEDIATELY, per my rights under XXXX of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Fraudulent Accounts to Be Blocked and Deleted Creditor / Source Account Number ( as listed ) Date Opened ( as listed ) Notes XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Never opened or authorized. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Never opened or authorized. Fraudulent XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Never opened or authorized. Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Never opened or authorized. FraudulenXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Never opened or authorized. Fraudulent XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Never opened or authorized. Fraudulent FCRA XXXX mandates that you must block fraudulent information resulting from identity theft within XXXX business days of notice. Under XXXX, a bureau has XXXX  days to investigate disputes and must delete and correct unverified or inaccurate items. 

I request that you : XXXX. XXXX the above-listed fraudulent accounts from my credit report. 
XXXX. Notify the original creditors ( furnishers ) to cease reporting these items. 
XXXX. Mail me a written confirmation once completed. 
XXXX. Provide me with an updated copy of my credit report reflecting these changes. 


Please confirm, in writing, when these items have been removed/suppressed and that the furnishers have been notified. Under FCRA deadlines, I expect resolution within XXXX days. 
Thank you for your prompt attention to this serious issue. 
Sincerely, ________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX digits of SSN XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Enclosures : A copy of my FTC Identity Theft Report A copy of my government issued photo ID ( e.g., drivers license ) Proof of my current address ( e.g., utility bill dated within XXXX  days ) A copy of my social security card A copy of my credit report

Company response to consumer: Closed with explanation