Consumer complaint received 2025-12-09 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Email : XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Re : Identity Theft Victim Request for Block/Deletion of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( FCRA 605B ) To Whom It May Concern : I am writing to you as a victim of identity theft. My name is XXXX XXXX XXXX, and I have always maintained excellent credit. I recently discovered that fraudulent accounts were opened in my name without my knowledge or consent. 

Please find enclosed a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), proof of my identity, and copies of my credit reports reflecting the fraudulent accounts. I have also provided a copy of the relevant statutory section ( 15 U.S.C. 1681c-2 ) requiring you to block identity theftrelated information from my file. 

The fraudulent accounts reported on my credit file are as follows : XXXXXXXX XXXX XXXXXXXX Account number XXXX, opened on XX/XX/XXXX, reported as a Timeshare/vacation ownership account, with an amount/limit of {$21000.00} ( approx. ). 
XXXX XXXX XXXX Account number Partial account number : XXXX XXXX, opened on XX/XX/XXXX, reported as a XXXX credit card, with an amount/limit of {$12000.00} credit limit. 

These accounts were not authorized by me. Under 15 U.S.C. 1681c2 ( FCRA 605B ), a consumer reporting agency is required to block the reporting of any information that resulted from identity theft within four business days of receiving ( 1 ) proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the fraudulent accounts, and ( 4 ) my statement that the information is not mine. I have provided all of this documentation, and therefore you must immediately block and remove the above accounts from my credit report. 

Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to maintain reasonable procedures to assure maximum possible accuracy of the information on my credit report. Reporting these fraudulent accounts violates this duty. Under 15 U.S.C. 1681i ( a ), when a consumer disputes the completeness or accuracy of an item, you must conduct a reasonable reinvestigation and delete or modify any information that is inaccurate, incomplete, or can not be verified within 30 days. If you verified these accounts previously, I hereby request you provide a detailed description of your method of verification within 15 days as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

In addition, under the Uniform Commercial Code ( U.C.C. ) 3401, a person is not liable on an instrument unless the person signed the instrument or an authorized agent signed it on their behalf. Section 3403 further provides that an unauthorized signature is ineffective except as the signature of the unauthorized signer. I did not sign any contracts or authorize anyone to open these accounts in my name ; therefore, I am not liable for any alleged debts associated with them. 

I have notified XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  that these accounts are fraudulent. XXXX assured me that the credit card would be closed, but it remains open and continues to appear as active on my credit report. XXXX continues to bill this unauthorized credit card despite being notified that the account is fraudulent. These furnishers have violated their responsibilities under the Fair Credit Reporting Act and are being reported to the appropriate authorities. 

Accordingly, I demand that you immediately block and permanently delete all information related to the abovelisted fraudulent accounts from my credit file, pursuant to 15 U.S.C. 1681c2. Please send me written confirmation that you have complied with this request and provide an updated copy of my credit report showing the deletions. Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, and may result in legal action for violation of the Fair Credit Reporting Act. 

Thank you for your prompt attention to this serious matter. I look forward to receiving your response and a corrected credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation