Consumer complaint received 2025-09-25 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/year> Equifax Information Services, LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent XXXX  Account Must Be Permanently Deleted To Whom It May Concern, I am formally disputing the following fraudulent account that is currently reporting on my Equifax credit file : XXXX Acct. No. : XXXX XXXX : {$49000.00} This account does not belong to me. I have never applied for, opened, or authorized this account. It is the result of identity theft, and its presence on my credit report is inaccurate, misleading, and in direct violation of my rights under federal law. 
My personal information has been compromised in multiple well-documented breaches, including the Equifax Data Breach , the National Public Data Breach , and most recently the XXXX  Data Breach . Because of these breaches, fraudulent accounts such as this have been created in my name, and I have been forced to submit an FTC Identity Theft Affidavit, a copy of my government-issued identification, and my Social Security card to prove my identity and protect my rights. 
Your continued reporting of this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : FCRA 1681i ( a ) : Requires you to conduct a reasonable reinvestigation of disputed accounts. Refusing to permanently remove this fraudulent account violates this obligation.

FCRA 1681e ( b ) : Requires you to maintain maximum possible accuracy in consumer files. Reporting an account that is not mine is a clear violation of this standard.

FCRA 1681i ( a ) ( 5 ) ( B ) : Once an account has been deleted due to fraud, it can not be reinserted unless the furnisher certifies its accuracy, and you provide me with written notice within five business days. Reinsertion of this account without proper notice would be unlawful.

FACTA 1681c-2 : Provides identity theft victims with the right to have fraudulent accounts blocked from their files once proper documentation is submitted. I have provided the necessary documentation, which obligates you to block this account permanently. 
Therefore, I am demanding the immediate and permanent deletion of the fraudulent XXXX account listed above. I also demand written confirmation that this account has been permanently removed from my Equifax credit file, that it is blocked under FACTA, and that it will not be reinserted in the future under any circumstances. 
If Equifax fails to comply with its obligations under federal law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for further investigation and enforcement action. Your ongoing mishandling of fraudulent tradelines is unacceptable and unlawful, and I will pursue every regulatory and legal remedy available to me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief