Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
Immediate Deletion of Fraudulent Account Reported by XXXX, XXXX I discovered that XXXX, XXXX is reporting a collection account to TransUnion and Equifax without my authorization or consent. This account is tied to XXXX XXXX XXXX and is showing a balance of {$12000.00}. I have never signed any contract nor given permission to report this account to the credit bureaus. 

I filed an FTC Identity Theft Report under FCRA 605B ( 15 USC 1681c-2 ), which requires immediate and permanent blocking of any account reported due to identity theft. XXXX has already investigated and permanently deleted this same account from my credit file. I demand that TransUnion and Equifax do the same. 

This is a violation of my right to privacy under FCRA 604, and continued reporting after XXXX deletion violates FCRA 611 ( 15 USC 1681i ). I never gave XXXX permission to report this data, and you are now on notice that this reporting is unauthorized. 

I am attaching my FTC Identity Theft Report and supporting documentation. 

To Whom It May Concern, This letter serves as a formal demand for the immediate and permanent deletion of the following fraudulent collection account from my credit file. This account violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including 605B and 611. XXXX has already removed this account from my credit report upon reviewing my supporting documentation and identity theft claim. You are now legally obligated to do the same. 

Account Details Company : XXXX, XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$12000.00} Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Legal Grounds for Immediate Removal FCRA 605B ( 15 USC 1681c-2 ) Block Due to Identity Theft I have submitted an identity theft report as defined under FCRA 605B . You are legally required to block and delete this account from my credit file within 4 business days, without requiring further investigation or delay.

Violation of My Right to Privacy ( FCRA 604 ) You are storing and distributing private data without my written consent. Under FCRA, any account reported without signed authorization or contract is a direct violation of my federally protected privacy rights. 

No Consent = Identity Theft If you can not produce a signed contract showing I authorized this debt, you must consider it identity theft under federal law. No signed consent = fraudulent reporting. 

FCRA 611 ( 15 USC 1681i ) Failure to Maintain Accuracy and Consistency Since XXXX has already removed this account, you now have a responsibility to verify the accuracy of the data you are reporting. Continued reporting of this itemdespite its deletion by another bureauviolates your duty under 611 to maintain accurate and current consumer files.

FCRA 1681n Civil Liability for Willful Noncompliance Continuing to report this account after notice of identity theft and prior deletion by XXXX may result in a {$1000.00} statutory fine per violation, plus punitive and actual damages, attorney fees, and emotional distress compensation. 

What I Am Demanding : Immediate deletion of the above-referenced XXXX XXXX account Full compliance with FCRA 605B and 611 Written confirmation of deletion No reinsertion without full re-verification under FCRA 1681i ( a ) ( 5 ) ( B ) No use of E-Oscar or automated dispute systemsmanual human review is required Final Warning : Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General, as well as the initiation of legal action to enforce my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation