Consumer complaint received 2025-11-14 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/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute & Identity Theft Notice Demand for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am submitting this formal dispute and identity theft notification regarding two fraudulent accounts that are currently reporting on all three of my credit bureau files. I never opened, authorized, applied for, or consentedverbally or in writingto any account with the following creditors : Fraudulent Accounts : SYNCB/Living Spaces {$1500.00} Ally Financial {$34000.00} These accounts are not mine, and their appearance on my Experian, Equifax, and TransUnion reports is the direct result of identity theft. I recently discovered that my personal information was compromised in multiple major data breaches, including the National Public Data Breach, the Equifax Data Breach, and the TransUnion Data Breach. These breaches exposed my sensitive identifying information, making it possible for criminals to fraudulently obtain credit in my name.

I am invoking my full rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), which expressly protect victims of identity theft and require credit reporting agencies to block and permanently delete fraudulent information.

Legal Basis for Immediate and Permanent Deletion FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies to block, remove, and permanently delete all information that a consumer identifies as resulting from identity theft, once an FTC Identity Theft Report or police report has been submitted. I am providing both.

FCRA 602A Affirms that consumers have the right to fair, accurate, and strictly verified credit reporting. Reporting accounts I never opened violates this mandate.

FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation and mandates deletion of information that is unverifiable, inaccurate, or obtained through fraudulent means. These two accounts fail verification and authorization.

FCRA 623 ( a ) ( 6 ) Prohibits furnishers from reporting information they knowor should knowis the result of identity theft.

FCRA 1681e ( b ) Requires bureaus to maintain maximum possible accuracy. Reporting accounts belonging to an identity thief violates this obligation.

FACTA 112 & 151 ( 15 U.S.C. 1681m, 1681c-1, 1681c-2 ) Mandates identity theft protections, including blocking fraudulent information, preventing reinsertion, and requiring stronger authentication before reporting.

My Demands as an Identity Theft Victim I am demanding that Experian, Equifax, and TransUnion : Immediately delete and permanently block the XXXX XXXX and XXXX XXXX accounts from all of my credit reports. 
Prevent reinsertion under FCRA 611 ( a ) ( 5 ) ( B ), which states that no deleted item may be reinserted without full certification of accuracy and written notice to me within 5 business days.

Provide written confirmation that both accounts have been permanently deleted, blocked, and removed from all future reporting.

Provide documentation, if any exists, showing what permissible purpose was used to justify reporting these accounts. There is none, because I never authorized them.

Identity Theft Documentation Provided I have an official FTC Identity Theft Affidavit, a soon-to-be-submitted or attached police report, and copies of my identification documents. These documents legally compel all bureaus to block and delete fraudulent information under federal law.

Final Notice Failure to comply with the identity theft protections mandated under the FCRA and FACTA will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Any other federal bodies overseeing credit reporting conduct I am requesting an expedited correction, as allowed under FCRA identity theft provisions, and expect written confirmation from each bureau. 
Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation