Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Notification Request for Immediate Block of Fraudulent XXXX XXXX Accounts under FCRA 605B Dear Sir or Madam, I am writing to formally dispute and request the removal of all XXXX XXXX credit card accounts being reported on my credit reports. These accounts are fraudulent, and I did not apply for, open, or authorize any accounts with XXXX XXXX at any time. 

I am a victim of identity theft, and these accounts were opened without my knowledge or consent. My personal data was compromised during the widely publicized Equifax data breach, and since that time I have been the target of various unauthorized and fraudulent financial activities. In response, I have enrolled in a credit monitoring service and taken appropriate legal steps to protect my identity.

In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), I am invoking my right to request the immediate blocking of these fraudulent accounts. The law clearly mandates : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt of : ( i ) appropriate proof of the identity of the consumer ; ( ii ) a copy of an identity theft report ; ( iii ) the identification of such information by the consumer; and ( iv ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

It is important to note that the FCRA requires credit reporting agencies to block the fraudulent information within 4 business days of receipt of this notification, not after an investigation. Any investigation you wish to conduct may proceed separately, but it does not delay or override your obligation to block the disputed information immediately.

To comply with these requirements, I am providing the following documents : A copy of my government-issued ID Proof of current address ( such as a utility bill or lease agreement ) A copy of my identity theft report filed with the FTC ( or police report ) My signed written statement affirming that I did not open any accounts with XXXX XXXX , and these accounts are fraudulent Therefore, I request that all XXXX XXXX accounts be immediately blocked from my credit report, and that you ensure no further information related to these accounts is reported or reinserted without full compliance with FCRA procedures .

Be advised that failure to block the fraudulent accounts within the required 4-day period is a violation of federal law. Under 15 U.S. Code 1681n and 1681o, noncompliance may result in : Actual damages Statutory damages of up to {$1000.00} per violation Punitive damages Legal costs and attorneys fees Please provide written confirmation once the fraudulent XXXX XXXX accounts have been successfully blocked from my credit file. Thank you for your prompt and lawful attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief