Consumer complaint received 2025-06-01 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: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
ruist Bank XXXX Department XXXX. XXXX XXXX XXXX XXXX XXXXXXXX RE : Fraudulent Truist Credit Card Account Request for Closure and Removal from Credit Report Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft and recently discovered that a Truist credit card account has been fraudulently opened in my name. I have never applied for or authorized a credit card account with Truist Bank. 

This identity theft is the result of the Equifax data breach, during which my sensitive personal information was compromised. Following the breach, I have experienced multiple fraudulent activities, including unauthorized bank accounts and loans being opened in my name. 

As a result, I am requesting that you take immediate action to : Close the fraudulent XXXX XXXX  card account. 

Absolve me of all associated charges or balances. 

Cease furnishing this information to any consumer reporting agency ( CRA ). 

Ensure all negative reporting related to this fraudulent account is removed from my credit files. 

I have enclosed the following documentation for your review : A copy of my Identity Theft Report, A copy of my credit report, with the fraudulent Truist account clearly marked, A copy of the CFPBs Notice to Furnishers of Information outlining your legal responsibilities under the Fair Credit Reporting Act ( FCRA ).

Please note the following important section from the CFPB Notice : Duties When Identity Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. ( Section 623 ( a ) ( 6 ) ). 

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. ( Section 623 ( a ) ( 2 ) ).

When a furnisher is notified under Section 605B that a debt is the result of identity theft, the furnisher may not sell, transfer, or place the debt for collection, except in certain limited circumstances. ( Section 615 ( f ) ).

I respectfully request that you conduct a prompt investigation and send written confirmation that the account has been closed, I have been released of all liability, and all related credit reporting has been corrected. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report CFPB Notice to Furnishers of Information ( PDF )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation