Consumer complaint received 2025-09-08 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:
XX/XX/XXXX Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Accounts from Data Breaches To Whom It May Concern, I am writing to formally dispute several accounts that have appeared on my credit reports with Experian, Equifax, and TransUnion. My name and personal information were compromised in both the XXXX XXXX XXXX XXXX and the Equifax Data Breach, which has resulted in identity theft and the creation of accounts that do not belong to me. 
The following accounts are fraudulent and must be permanently deleted from all three of my credit reports : XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$92.00} XXXX  XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} I have never applied for, opened, or authorized these accounts. I have no contractual relationship with these companies, and their reporting is inaccurate, misleading, and harmful.

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I am invoking my rights under : 1681i, which requires the credit reporting agencies to conduct a reasonable reinvestigation of disputed accounts.

1681s-2 ( a ), which prohibits furnishers of information from reporting data they know, or reasonably should know, is inaccurate. 
Under the Fair and Accurate Credit Transactions Act ( FACTA, 15 U.S.C. 1681c-2 ), I am entitled as an identity theft victim to request that fraudulent accounts be blocked from my consumer reports once documentation is provided.

Additionally, if any of these debts are being pursued by third-party debt collectors, their actions must comply with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Specifically : 1692e prohibits false, deceptive, or misleading representations.

1692g requires proper validation of debts. 
Any continued collection attempts on fraudulent accounts would constitute violations of federal law.

Accordingly, I am demanding the immediate and permanent deletion of the above-listed fraudulent accounts from my Experian, Equifax, and TransUnion credit reports. If any of these accounts are deleted and later reinserted, FCRA 1681i ( a ) ( 5 ) ( B ) requires that I be notified in writing within five business days with full certification of accuracy from the furnisher. Failure to comply will be treated as willful noncompliance. 
For regulatory oversight, I have copied the Consumer Financial Protection Bureau ( CFPB ) on this dispute to ensure that all agencies and furnishers involved are held accountable. 
Enclosed please find copies of my government-issued identification, proof of residency, and my FTC Identity Theft Affidavit to validate this request. 
I expect written confirmation once these fraudulent accounts have been permanently deleted from my credit files across all three credit reporting agencies. 
Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Affidavit Government-issued ID Proof of Residency

Company response to consumer: Closed with explanation