Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
FINAL DEMAND Failure to Block Fraudulent Information Under FCRA 605B Dear [ Credit Bureau Representative ] : On multiple occasions, I have submitted disputes and formal identity theft documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ) demanding the permanent blocking and removal of fraudulent items from my credit report. Despite my full compliance with federal requirements, you continue to report these fraudulent accounts and addresses, and you have issued generic, non-specific letters refusing to block the information. 
The following items are fraudulent and must be permanently blocked and deleted from my credit file : XXXX  XXXX XXXX Opened : XX/XX/year> Fraudulent Amount : {$110000.00} Additionally, the following fraudulent address must be deleted from my file : XXXX XXXX XXXX, XXXX, XXXX  XXXX As previously submitted, my identity theft documentation includes : FTC Identity Theft Report Government-issued Drivers License Social Security Card Utility bill as proof of current address ( Drivers License ) Under FCRA 605B ( a ), you are required to block fraudulent information within four business days of receiving a proper request. Further, under FCRA 605B ( c ), you are legally obligated to provide a specific written explanation if you decline to block the information. Your prior generic letters do not satisfy this legal requirement and place you in violation of federal law. 

Metro 2 Compliance ( Universal Data Reporting Codes ) Additionally, I am requesting written confirmation that the above fraudulent accounts and address have been updated using the appropriate Metro 2 ( universal data ) reporting codes in accordance with credit industry standards and FCRA obligations. Specifically : Code XB must have been applied during the dispute process to reflect that the accounts are being investigated as identity theft claims. 


Code DA must be used to permanently delete the XXXX  XXXX XXXX and XXXX accounts from my credit file. 


Code Z must be applied to delete the fraudulent address : XXXX XXXX XXXX, XXXX, XXXX  XXXX. 


Failure to apply these reporting codes properly constitutes a willful violation of your legal duty to ensure fair and accurate reporting under both FCRA 605B and Metro 2 standards. 

FINAL DEMAND This letter serves as my FINAL DEMAND that you : Immediately block and permanently delete the above fraudulent accounts and address from my credit file. 


Apply the appropriate universal reporting codes ( XB, DA, Z ) as evidence of compliance. 


Provide written confirmation of the above actions within ten ( 10 ) days of the date of this letter. 


Failure to comply will result in : Additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau ( BBB ), and my State Attorney General. 


Potential legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees.

Company response to consumer: Closed with explanation