Consumer complaint received 2026-02-19 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: CO

Complaint narrative:
This is my second formal dispute and request for immediate blocking and removal of fraudulent information on my Experian credit report. On or about XX/XX/XXXX, I sent you a first dispute letter with my FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ), proof of identity, and proof of address, demanding removal of fraudulent accounts resulting from identity theft. To date, the following items have not been blocked or removed as required by law. Pursuant to FCRA 605B, because I have already provided an FTC Identity Theft Report, you must block these items from my credit report within 4 business days of receiving this letter and notify the furnishers of the information. You must also conduct a reasonable reinvestigation under FCRA 611 within 30 days and permanently delete any information that can not be verified as accurate and belonging to me. Disputed Fraudulent Accounts ( ALL resulting from identity theft ) : XXXX Account Number : XXXX Date opened ( fraud ) : XX/XX/XXXX Balance/Amount : {$450.00} Dispute Reason : This account was opened and used by an identity thief without my knowledge or consent. It is explicitly listed in my FTC Identity Theft Report # XXXX. I never applied for, received goods/services from, or authorized this account. Remove it in full, including all balances, payment history, and derogatory marks. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date opened ( fraud ) : XX/XX/XXXX Status : Closed / Charged off {$500.00} past due as of XX/XX/XXXX Dispute Reason : This account does not belong to me. It was opened and used fraudulently. It is the direct result of identity theft. I never applied for or authorized any transactions on this account. Delete the entire account and all associated negative information immediately. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date opened ( fraud ) : XX/XX/XXXX Status : Closed / Paid in settlement Dispute Reason : This account is explicitly listed in my FTC Identity Theft Report # XXXX as fraudulent. I did not open it, use it, or authorize any activity. Remove the entire account and all payment history, late payments, and settlement notations. Additional demands under the FCRA : Under 15 U.S.C. 1681g, provide me with copies of all documents and records in your files that you used ( or plan to use ) to verify the accuracy of these accounts. Do not respond with verified by the furnisher I require the actual underlying documents. Send me a free updated credit report ( and score ) within 30 days showing these items have been permanently blocked/removed. Notify all furnishers of these accounts that the information has been blocked due to identity theft. Failure to block and remove these items within the statutory timeframes will constitute willful noncompliance under FCRA XXXX, exposing XXXX to statutory damages of {$1000.00} per violation, actual damages, punitive damages, and attorney fees. I will not hesitate to file complaints with the CFPB, FTC, Colorado Attorney General, and pursue litigation in small claims court in XXXX XXXX XXXX Colorado if necessary. Please confirm receipt of this second dispute in writing within 5 business days and provide the date by which these accounts will be blocked/removed. You may contact me at XXXX or XXXX. Thank you for your immediate attention and compliance with federal law. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation