Consumer complaint received 2025-09-27 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  Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Accounts Resulting from Identity Theft and Multiple Data Breaches To Whom It May Concern, I am filing this formal dispute regarding the following fraudulent accounts that are reporting on my Experian, Equifax, and TransUnion credit files. I have never applied for, opened, or authorized any of these accounts. They are the direct result of my personal information being compromised in the XXXX XXXX XXXX XXXX, the Equifax Data Breach, and most recently, the TransUnion Data Breach. 
The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} These tradelines are inaccurate, damaging, and unlawful. Reporting them is a direct violation of my consumer protection rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
Specifically, your reporting and failure to permanently block these fraudulent accounts violate : FCRA 1681i ( a ) : Requires a reasonable reinvestigation of disputed information. These fraudulent accounts must be reinvestigated and permanently deleted.
FCRA 1681e ( b ) : Mandates you maintain maximum possible accuracy. Reporting accounts that were never authorized by me is the opposite of accuracy.

FCRA 1681c-2 ( FACTA ) : Requires blocking of all information that results from identity theft once a consumer provides an FTC Identity Theft Affidavit or police report. I have provided these documents.

FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted information may not be reinserted unless verified by the furnisher and you notify me in writing within five business days. Reinsertion of any of these fraudulent accounts without proper notice would be unlawful.

FCRA 1681s-2 ( a ) : Prohibits furnishers from reporting information they know, or reasonably should know, is inaccurate. These creditors have no right to furnish fraudulent data tied to my identity.

FCRA 1681n and 1681o : Provide civil liability for willful and negligent noncompliance. Failure to act will expose you to regulatory complaints and legal claims. 
I am demanding the immediate and permanent deletion and blocking of the above accounts from all of my credit reports. Written confirmation must be provided that these tradelines have been deleted, blocked, and can not be reinserted. 
If these fraudulent accounts are not removed, I will escalate this matter to the CFPB, FTC, and my State Attorney Generals Office for enforcement action. Your obligations under federal law are clear, and continued reporting of these accounts constitutes willful noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief