Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Fraudulent Account Demand for Immediate Deletion Creditor : XXXX XXXX XXXX Account Number : XXXX Status on Report : Charged-Off Note : TransUnion is inaccurately reporting this account as opened in XXXX, which is factually impossible as I was not even born at that time. 



To Whom It May Concern, I am a documented victim of identity theft. The above-referenced account is not mine, I never applied for it, I never signed any agreement, and I never received any funds, goods, or services in connection with it. 

This account is being inaccurately reported by TransUnion as opened in XXXX. This is factually impossible and proves beyond any doubt that your data is incorrect. I was not even born in XXXX, making the record inherently invalid. 

I have already provided proof to XXXX, which resulted in full deletion of this account from my XXXX  file. Your continued reporting and remark updates are inaccurate, unlawful, and in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 



Applicable Laws You Are Violating 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Upon receipt of an identity theft report, you are required to block all information relating to the fraudulent account within four ( 4 ) business days.
2. FCRA 609 ( 15 U.S.C. 1681g ) You must provide me with all information in my file regarding this account, including the original application and any signatures. Failure to produce a signed contract is proof you can not verify ownership.

3. FCRA 611 ( 15 U.S.C. 1681i ) You are obligated to conduct a reasonable reinvestigation of any disputed information. Updating remarks without deletion is not a reasonable reinvestigation.

4. FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers are prohibited from reporting information they know or should know is inaccurate.

5. FDCPA 807 ( 8 ) It is a deceptive practice to communicate false credit information to a consumer reporting agency. 



My Demands Pursuant to FCRA 605B, I am formally demanding that you : Immediately block and permanently delete all reporting of the XXXX XXXX XXXX account from my credit file. 
Correct the false XXXX opening date in your records this is materially inaccurate and defamatory. 
Provide me with written confirmation of deletion within four ( 4 ) business days of receipt of this letter. 
Provide me with copies of any application or documentation containing my alleged signature, as required by FCRA 609. 

If you fail to comply, I will file a formal complaint with the CFPB, FTC, and my State Attorney General and pursue all available remedies under FCRA 616 & 617, which allow for actual, statutory, and punitive damages, as well as attorneys fees. 

This is your final opportunity to resolve this matter amicably.

Company response to consumer: Closed with non-monetary relief