Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that all fraudulent accounts mentioned in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by Equifax. Despite previous requests for correction, these violations continue to negatively affect my credit report and financial situation.

I am writing to dispute inaccurate information on my credit report pursuant to 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC identity theft report XXXX as evidence supporting my identity theft claim.

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from said theft within XXXX ( XXXX ) business days. The following information in my credit report is the result of identity theft and must be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency Experian, block the information that appears on my consumer credit report, as it is the result of identity theft and fraud, within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal account opened with XXXX XXXX  under the account number XXXX. This account has generated several fraudulent accounts on my consumer FICO credit report. I have attached the FRAUDULENT ACCOUNT in question, as well as a copy of the FICO credit report you maintain, which shows the aforementioned fraudulent item.

PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the above-mentioned account, and as such, it was reported. The account listed on my consumer credit report, maintained by you, was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the U.S. Federal Trade Commission that the consumer credit account mentioned is the result of identity theft and fraud. Furthermore, I did not authorize the disclosure of my non-public information nor consent to its reporting. I was not provided with the proper disclosures nor given the option to opt out.

Reporting without consent constitutes fraud under 15 U.S. Code 1681b ( 2 ) Permissible Purposes. This also constitutes a violation of my privacy rights under 15 U.S.C. 1681a ( 4 ). These accounts and inquiries must be blocked or deleted immediately from my consumer report, in accordance with FCRA 605B.

I am writing to notify you that I have been a victim of identity theft. I have contacted the Federal Trade Commission and filed a complaint, which is enclosed for reference. My credit report contains a FRAUDULENT ACCOUNT that is not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency via both fax and certified mail.

In addition, I request the immediate removal of the FRAUDULENT ACCOUNT from my credit report. 

ACCOUNT : XXXX XXXX  / XXXX

Company response to consumer: Closed with explanation