Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Subject : Formal Complaint and FCRA Violation Report XXXX XXXXXXXX XXXX ( Fraudulent Activity & Identity Theft ) From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX To Whom It May Concern : I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) regarding fraudulent accounts and unauthorized charges reported by The XXXX XXXXXXXX XXXX , as well as the ongoing furnishing of inaccurate information to the credit bureaus. 

I am a victim of identity theft, and I did not authorize or make the following fraudulent charges : Account XXXX XXXX  {$500.00} fraudulent charge posted XX/XX/year> Account # XXXX {$500.00} fraudulent charge posted XX/XX/year> Account # XXXX {$500.00} fraudulent charge posted XX/XX/year> I demand that The XXXX XXXXXXXX XXXX immediately remove all fraudulent charges, related fees, and interest, cease reporting the false information, and provide a corrected and updated account statement confirming the removal of the unauthorized activity. 

Additionally, I request written confirmation that this data has been permanently deleted from all nationwide consumer reporting agencies, including Experian, Equifax, TransUnion, XXXX, and XXXX. 



Unrecognized Addresses ( Fraud Indicators ) : The following addresses are not associated with me and appear to have been fraudulently used : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Applicable Federal Laws and Regulations : FCRA 602 ( A ) Establishes the consumers right to fair and accurate reporting, free from inclusion of false or unverifiable data.

FCRA 603 ( q ) Defines identity theft and mandates removal of any data resulting from such theft.

FCRA 605B [ 15 U.S.C. 1681c-2 ] Requires credit reporting agencies to block identity-theft-related information within four business days upon receipt of a valid identity theft report.

FCRA 611 [ 15 U.S.C. 1681i ] Requires a reasonable reinvestigation of disputed information within 30 days. Unverifiable data must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers ( such as XXXX XXXX XXXX XXXX ) from reporting information they know or have reason to believe is inaccurate. 
FCRA 623 ( a ) ( 8 ) ( E ) ( ii ) Requires furnishers to block and cease reporting data after receiving an identity theft report.

FCRA 616617 [ 15 U.S.C. 1681no ] Provides for civil liability and damages for willful or negligent non-compliance.

FACTA 152153 Strengthen consumer protections against identity theft and require prompt and accurate response once notified of fraud.

CFPB Regulation V ( 12 C.F.R. 1022 ) Requires both credit bureaus and furnishers to maintain reasonable procedures ensuring accuracy and timeliness of all consumer data.

Requested Actions : 1. Permanently delete and block all fraudulent accounts and related data from all CRAs.

2. Cease and desist from furnishing or re-furnishing any inaccurate or unverifiable information.

3. Provide written confirmation of all deletions and reinvestigation results.

4. Furnish a corrected account statement showing a {$0.00} balance on fraudulent accounts.

5. Verify and correct any address discrepancies linked to identity theft.

Enclosures : Copy of Identity Theft Report ( Police/FTC ) Copy of Photo ID Proof of Current Address Credit Reports highlighting the fraudulent XXXXXXXX XXXX XXXX items Conclusion : This complaint is filed under my rights established by FCRA 602 , 605B, 611, 623, and 616, and CFPB Regulation V. Failure to comply within 30 days of receipt will result in a formal enforcement complaint and potential civil action for damages under 15 U.S.C. 1681no.

Please respond with a full written explanation and documentation of your findings and actions. 



Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XXXX SSN : XXXX

Company response to consumer: Closed with explanation