Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
XX/XX/XXXXXXXX  To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute Fraudulent Accounts Resulting from Identity Theft XXXX XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXXXXXX XXXX XXXX ( {$420.00} ) To Whom It May Concern, I am a confirmed victim of identity theft, with my personal information compromised in both the XXXX XXXX XXXX XXXX and the Equifax Data Breach. My sensitive information, including my name, Social Security number, and date of birth, was unlawfully accessed and has been used without my knowledge, consent, or authorization to open fraudulent credit accounts in my name. 

Specifically, I am disputing the following accounts that are currently appearing on my Experian, Equifax, and TransUnion credit reports : XXXX XXXX XXXX XXXX {$1900.00} ( fraudulent credit card account ) XXXX XXXX XXXX {$420.00} ( fraudulent personal loan ) I have never applied for, opened, authorized, or benefited from any account with XXXX XXXX XXXX XXXX. Likewise, I have never obtained a personal loan from XXXX XXXX XXXX. I have never given anyone written or verbal permission to open or apply for accounts with these companies on my behalf. These accounts are fraudulent, and their continued reporting constitutes a serious violation of my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) consumer protection laws, you are required to immediately block and delete identity theft-related information once proper proof is provided. The following provisions specifically apply to my dispute : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires blocking and permanent deletion of information resulting from identity theft upon receipt of an FTC Identity Theft Report.

15 U.S.C. 1681i Mandates reasonable reinvestigation of disputed information and deletion if unverifiable.

15 U.S.C. 1681e ( b ) Requires maximum possible accuracy in the reporting of consumer information.

15 U.S.C. 1681b Limits permissible purposes for furnishing a consumer report.

15 U.S.C. 1681n and 1681o Provides for liability for willful and negligent noncompliance.

15 U.S.C. 1681q Prohibits obtaining or using consumer information under false pretenses.

FTC Identity Theft Rules ( 16 C.F.R. 603 ) Prohibits continued reporting of fraudulent accounts once identity theft is documented.

15 U.S.C. 45 ( a ) ( FTC Act ) Prohibits unfair or deceptive acts or practices in commerce. 
Enclosed with this letter are copies of my FTC Identity Theft Affidavit, a copy of my government-issued identification, proof of my current address, and supporting documentation showing that my personal information was compromised in the aforementioned data breaches. 
You are hereby formally demanded to : Permanently delete the XXXX XXXX XXXX XXXX ( {$1900.00} ) and XXXX XXXX XXXX ( {$420.00} ) accounts from all of my credit reports. 
Notify the furnishers of this deletion and block any future reporting of these accounts. 
Provide me with written confirmation of these deletions within 15 days. 
Failure to comply will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as potential legal action to recover statutory, actual, and punitive damages for your willful violations of the FCRA and other applicable laws. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation