Consumer complaint received 2025-10-14 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:
# FORMAL DISPUTE LETTER - FRAUDULENT ACCOUNT * * DATE : * * XX/XX/XXXX * * TO : * * Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX * * RE : URGENT - DISPUTE OF FRAUDULENT ACCOUNT & DEMAND FOR IMMEDIATE DELETION * * * * Account in Dispute : * * XXXX XXXX XXXX XXXX - Account # [ Last 4 digits if available ] * * Reported Balance : * * {$4300.00} * * Status : * * Fraudulent - Previously Disputed and Reinserted -- -- - # # NOTICE OF FRAUDULENT ACCOUNT AND FCRA VIOLATIONS To Whom It May Concern : I am writing to formally dispute the above-referenced account appearing on my credit report as * * fraudulent * * and to demand its immediate and permanent deletion pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ).

# # # I. THIS ACCOUNT IS FRAUDULENT This account * * does not belong to me * * and was * * never authorized * * by me. I have never had a legitimate business relationship with XXXX XXXXXXXX XXXX XXXX for this account. This account has been fraudulently opened using my personal information without my knowledge or consent. 

# # # XXXX. REINSERTION AFTER PREVIOUS DISPUTE This fraudulent account was previously disputed and removed from my credit report. Its * * unauthorized reinsertion * * constitutes a clear violation of my rights under the FCRA. Pursuant to * * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) * *, once an item has been deleted following a dispute, it can not be reinserted unless the furnisher : 1. Certifies that the information is complete and accurate 1. Provides written notice to me within five business days of reinsertion 1. Includes the name, address, and telephone number of the furnisher I * * demand proof * * that these statutory requirements were met. If you can not provide documented evidence of proper reinsertion procedures, this account must be * * permanently deleted immediately * *.

# # # III. DATA BREACH NOTIFICATION - IDENTITY THEFT I am notifying you that my personal information has been compromised in * * multiple major data breaches * *, including : - * * National Public Data Breach * * ( XXXX ) - * * Equifax Data Breach * * ( XXXX ) - * * TransUnion Data Breach * * ( XXXX ) These breaches have exposed my personally identifiable information ( PII ) to unauthorized parties, making me a victim of identity theft. This fraudulent XXXX XXXX account is a direct result of these data breaches and the criminal misuse of my stolen information. 

Under * * FACTA 605B * * ( 15 U.S.C. 1681c-2 ), I have the right to place fraud alerts and security freezes on my credit file. This fraudulent account appearing on my report demonstrates the ongoing harm caused by the compromise of my personal data. 

# # # IV. FCRA REQUIREMENTS AND YOUR OBLIGATIONS Under the FCRA, you are required to maintain * * reasonable procedures * * to ensure maximum possible accuracy of consumer credit information. The continued reporting of this fraudulent account constitutes a violation of : - * * 15 U.S.C. 1681e ( b ) * * - Requiring reasonable procedures to assure maximum possible accuracy- * * 15 U.S.C. 1681i * * - Requiring reinvestigation of disputed information- * * 15 U.S.C. 1681s-2 * * - Obligations of furnishers regarding accuracy of information # # # V. IMMEDIATE DEMANDS I hereby demand the following actions be taken * * immediately * * : 1. * * PERMANENTLY DELETE * * this fraudulent XXXX XXXX XXXX XXXXXXXX account from my credit report across all three credit bureaus ( Equifax, Experian, and TransUnion ) 1. * * PROVIDE WRITTEN CONFIRMATION * * of deletion within fifteen ( 15 ) days 1. * * CEASE ALL REPORTING * * of this fraudulent account to any party 1. * * PROVIDE DOCUMENTATION * * of your reinsertion procedures if this account was previously removed 1. * * BLOCK THIS INFORMATION * * pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it results from identity theft # # # VI. LEGAL NOTICE Please be advised that continued reporting of this fraudulent account may result in legal action. Under the FCRA, I am entitled to : - * * Actual damages * * for willful or negligent noncompliance ( 15 U.S.C. 1681n and 1681o ) - * * Statutory damages * * of {$100.00} to {$1000.00} per violation for willful noncompliance- * * Punitive damages * * as determined by the court - * * Attorneys fees and costs * * I am maintaining detailed records of all correspondence, credit reports, and damages resulting from this fraudulent account. I will not hesitate to exercise my full rights under federal law if this matter is not resolved immediately.

# # # VII. RESPONSE REQUIRED You have * * thirty ( 30 ) days * * from receipt of this letter to complete your investigation and provide me with written results pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). However, given the fraudulent nature of this account and its previous removal, I expect * * immediate deletion * * without delay. 

Please send all correspondence to : XXXX XXXX

Company response to consumer: Closed with non-monetary relief