Consumer complaint received 2025-09-11 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:
This letter serves as a formal legal demand regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C.

1681c-2 ). Despite my full compliance with the law by submitting the required documentation under 605B, your agency continues to report fraudulent account information on my credit report. 
Fraudulent Information to Be Permanently Blocked : XXXX  XXXX XXXX, XXXX. Auto Loan Opened : XX/XX/XXXX Balance : {$110000.00} Status : Open / Past Due Account Number ( last 4 digits ) : XXXX XXXX XXXX - XXXX Loan Opened XX/XX/XXXX Balance : XXXX Status : Open/Past Due Documentation Previously Submitted to Your Bureau : FTC Identity Theft Report filed via IdentityTheft.gov Government-issued ID ( Drivers License ) Proof of current address ( Utility Bill / Matching ID ) Written request to block and delete the information under FCRA 605B This submission meets all legal requirements under FCRA 605B ( a ). Yet to date, you have failed to fulfill your duty to block the disputed items within four ( 4 ) business days of receipt.

FCRA 605B Legal Obligations Ignored : 1. Failure to Block Within 4 Business Days Per 605B ( a ), you are required to block fraudulent information within 4 business days. Your response referencing a 30-day reinvestigation period under FCRA 611 is inapplicable to identity theft block requests and constitutes willful misapplication of federal law.

2. Failure to Provide a Legally Valid Denial If you decline to block the information, FCRA 605B ( c ) mandates a specific, written explanation. Generic or automated rejection letters do not satisfy this requirement.

Metro 2 Compliance Required : You are also obligated to ensure Metro 2 reporting compliance using the following codes : XXXX  Account flagged as identity theft dispute XXXX  Account permanently deleted due to fraud XXXX  Fraudulent address deleted from consumer file Failure to apply these codes is a violation of FCRA 607 ( b ) and 623 ( a ).

FINAL DEMAND Deadline : 10 Calendar Days You are hereby formally demanded to complete the following actions within ten ( 10 ) calendar days from the date of this letter : XXXX. Permanently block and delete the XXXX  XXXX XXXX account and XXXX address from my credit report. 
XXXX. Apply all appropriate Metro 2 compliance codes : XXXX XXXX XXXX

3. Provide written confirmation of the deletions and Metro 2 applications.

4. Affirm that no reinsertion will occur unless all 605B ( e ) reinsertion procedures are met.

Noncompliance Will Result In : Additional complaints with the Consumer Financial Protection Bureau ( CFPB ) Complaints to the Federal Trade Commission ( FTC ) and Texas Attorney General Legal action under FCRA 1681n and 1681o for willful and negligent violations, including : - Statutory damages up to {$1000.00} per violation - Actual damages for credit harm - Legal costs and attorneys fees

Company response to consumer: Closed with explanation