Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Legal Basis for Immediate Deletion : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Removal of Information Resulting from Identity Theft You are legally required under FCRA Section 605B to block any information on my credit report that has been reported due to identity theft within four ( 4 ) business days of receiving this dispute notification. Failure to comply with this requirement will result in swift and severe legal action, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators.

2. Gramm-Leach-Bliley Act ( GLBA ) Protection of Personal Financial Information Your failure to adhere to the Gramm-Leach-Bliley Act ( GLBA ), which mandates the protection of my personal and financial information, is not only illegal but also exposes me to further risk. If you do not act immediately, you will be held accountable for violating my rights under this act as well.

3. Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) Failure to Investigate Disputes Under FCRA Section 611, you are required to conduct an investigation within 30 days of my dispute submission. You must complete this investigation and inform me of your findings within 5 business days of the conclusion of your investigation. A failure to meet these deadlines will result in immediate legal action.

4. Violation of 15 U.S.C. 1692g Failure to Notify of Debt Discrepancy You have failed to notify me of the fraudulent account within the 5-day window required by 15 U.S.C. 1692g, which is a direct violation of my rights.

5. * * Case Law Reference * * In Spokeo, Inc. v. Robins, 136 S. Ct. 1540 ( 2016 ), the U.S. Supreme Court emphasized that consumers have the right to demand accurate and timely corrections to their credit reports.

The failure to comply with such requirements under the FCRA allows for punitive damages to be awarded.

Furthermore, in Coleman v. TransUnion, 76 F. Supp. 3d 872 ( N.D. Cal. 2014 ), the court found that failure to conduct reasonable investigations under FCRA constitutes a violation, and consumers may seek damages and other remedies for such violations. Your disregard for the investigative process will be met with similar legal consequences.

Temporary Suppression and Legal Action : As this account is fraudulent, I also demand that you temporarily suppress it on my credit report while the investigation is pending. Failure to comply with these requirements will leave me no choice but to pursue legal action for noncompliance, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as initiating legal proceedings.

Case References : For your reference, please be advised that under the rulings in cases such as Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ) and Cushman v.

TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ), credit reporting agencies have been found to be in violation of the FCRA when they fail to perform thorough investigations and comply with the statutory requirements for fraudulent accounts. Your failure to act in accordance with FCRA 605B may result in similar legal action.

Demands for Immediate Action : 1. Immediate Deletion of Fraudulent Information : I demand that you immediately delete or block all inaccurate, fraudulent information from my credit report within three ( 3 ) business days of receiving this letter.

2. Documentation of Investigation : If you dispute my claims, I require verifiable documentation proving the accuracy of the reported information.

3. Written Confirmation of Deletion : As required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I demand that you notify me in writing within five ( 5 ) business days if any previously deleted information is reintegrated into my report during the reinvestigation.

4. Full Investigation Results : A full, detailed explanation of your reinvestigation procedures, including your corrective actions, is required within five ( 5 ) business days of your investigation 's completion.

Disputed Information : Unauthorized Credit Inquiry : XXXX. XXXX - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief