Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Notice of Fraudulent/Identity Theft Account Demand for Immediate Deletion under FCRA To Whom It XXXX Concern : I am writing to formally notify you that the account listed below is the result of identity theft or fraud and was opened and/or reported without my knowledge, authorization, or consent. 
XXXX : XXXX XXXX Account XXXX : XXXX Creditor/Collector : XXXX XXXX Account Number XXXX XXXX Creditor/Collector : XXXX XXXX Account Number : XXXX Creditor/Collector XXXX XXXX XXXX Account Number : XXXX Creditor/Collector : XXXX Account Number : XXXX Creditor/Collector : XXXX Account Number : XXXX Creditor/Collector : XXXX Account Number : XXXX Creditor/Collector : XXXX Account Number : XXXX Creditor/Collector : XXXX Account Number : XXXX Creditor/Collector : XXXX Bank Account Number : XXXX Creditor/Collector : XXXX CARD Account Number : XXXX Inquiry XXXX XXXX XXXX Pursuant to XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I demand that you : XXXX and delete this fraudulent information from my credit report immediately. 
Cease reporting this account to any third parties, including but not limited to XXXX, Equifax, and XXXX 
Provide me with written confirmation that the account has been blocked and removed. 
Relevant Legal Protections 15 U.S.C. 1681c-2 ( a ) requires credit reporting agencies to block the reporting of information that a consumer identifies as resulting from identity theft, once proper documentation is provided. 
15 U.S.C. 1681c-2 ( b ) prohibits a credit bureau from resubmitting the fraudulent information unless the furnisher certifies that the information is accurate and not a result of identity theft.

15 U.S.C. 1681m ( g ) prohibits the sale or transfer of debts resulting from identity theft.

15 U.S.C. 1681i ( a ) requires credit reporting agencies to conduct a reasonable investigation into any disputed information and correct or delete inaccurate or unverifiable information. 
Enclosures In compliance with FCRA requirements, I have enclosed the following : A copy of my government-issued photo identification ( e.g., drivers license or passport ) A copy of a recent utility bill or other proof of address A copy of my Identity Theft Report ( e.g., FTC Identity XXXX Affidavit or police report ) Time Frame for Action You are required by law to block and remove this information within XXXX business days of receiving this documentation ( 15 U.S.C. 1681c-2 ( a ) ). 
Failure to comply will result in my pursuing all available legal remedies, including but not limited to : A lawsuit for actual damages, statutory damages, punitive damages where appropriate, and attorneys fees pursuant to 15 U.S.C. 1681n ( willful noncompliance ) or 15 U.S.C. 1681o ( negligent noncompliance ). 
Please provide written confirmation of compliance with this request within XXXX business days. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation