Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
* * Dispute Letter Identity Theft & Fraudulent Accounts Addressed to Experian, Equifax, and TransUnion XXXX : Consumer Financial Protection Bureau ( CFPB ) * * To : 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 XXXXXXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Identity Theft Dispute Demand for Immediate Permanent Deletion of Fraudulent Accounts To Whom It May Concern : I am submitting this letter as a formal dispute and identity theft notification regarding multiple fraudulent accounts reporting on my Experian, Equifax, and TransUnion credit files. I did not authorize, apply for, or open any of the accounts listed below. These entries are the direct result of identity theft. 
Fraudulent Accounts to Be Permanently Deleted XXXX Acct. No. XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$75.00} I have never had any business or credit relationship with these companies. These accounts were created by an identity thief using my stolen personal information. 
I also recently discovered that my personal information had been compromised in multiple major breaches, including the XXXX XXXX XXXX XXXX, the Equifax Data Breach, the TransUnion Data Breach, the Target Data Breach, and the Marriott Data Breach. These breaches exposed my private information, which has directly resulted in fraudulent accounts being opened under my identity.

Legal Grounds for Immediate Removal FCRA Violations FCRA 602 ( A ) I am entitled to accurate reporting ; fraudulent accounts violate this requirement.

FCRA 604 ( a ) No permissible purpose existed for these companies to access or use my consumer report.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Upon receiving an FTC ID Theft Affidavit and supporting documentation, credit bureaus are required to block and permanently delete any information resulting from identity theft.

FCRA 611 ( a ) You must conduct a reasonable reinvestigation and delete unverifiable or inaccurate data.

FCRA 611 ( a ) ( 5 ) ( B ) Deleted fraudulent information can not be reinserted without full certification and written notification to me.

FCRA 616617 Failure to comply results in civil liability for willful or negligent noncompliance.

FACTA Violations Under the Fair and Accurate Credit Transactions Act : Bureaus must employ identity theft protections and immediately block fraudulent data.

Furnishers must prevent and correct identity-theft-related information under FACTA 312.

FDCPA Violations ( Furnishers & collection agencies involved ) FDCPA 807 Misrepresentation of a debt not owed is unlawful.

FDCPA 808 It is illegal to attempt to collect any amount not authorized by law.

FDCPA 809 Debt collectors must cease collection until valid proof is provided ; these debts can not be validated.

Demand for Immediate Action I am demanding the following : Immediate and permanent deletion of all fraudulent accounts listed above from my Experian, Equifax, and TransUnion credit files per FCRA 605B.

Permanent blocking to prevent reinsertion unless full, written, certified verification is provided to me, per FCRA 611 ( a ) ( 5 ) ( B ).

Removal of all inquiries and data associated with these fraudulent accounts.

Written confirmation from each bureau once deletions are completed.

These accounts are the result of identity theft, not my actions. I have enclosed my FTC Identity Theft Affidavit, police report, and identification documents as required under federal law.

Failure to comply will result in immediate complaints to the CFPB, FTC, and my State Attorney General, as well as pursuit of all rights available to me under FCRA, FACTA, and FDCPA. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief