Consumer complaint received 2025-12-14 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:
After obtaining and reviewing a copy of my Equifax credit report, I identified an account being reported that is not mine and that I did not open, authorize, or participate in in any way. I have no prior relationship with the listed creditor and did not provide consent or personal information for the establishment of this account. The account listed below is fraudulent and was created as a result of identity theft. 

" XXXX XXXX '' aka " XXXX XXXX XXXX XXXX '' I never agreed to any terms associated with this account, never received any funds, goods, or services connected to it, and have no legal obligation to repay any balance reported. The inclusion of this account on my Equifax credit file is inaccurate and has adversely affected my credit standing. Its continued reporting misrepresents my credit history and violates federal consumer protection standards. 

I have notified Equifax and the furnishing party that this account is fraudulent and have disputed it as identity theft. Despite these notifications, the account continues to appear on my credit report, requiring enforcement of my rights under applicable consumer protection laws. 

Federal Laws Protecting Consumers From Identity Theft Reporting Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The FCRA ensures that consumer credit reports are accurate and fair. Under this law : Credit reporting agencies may not report information that is inaccurate or misleading.

Consumers have the right to dispute accounts they do not recognize or did not authorize.

Credit bureaus must conduct a reasonable investigation and delete information that can not be verified.

Accounts for which a consumer has no legal responsibility may not remain on a credit report.

Identity Theft Blocking Requirement FCRA 605B ( 15 U.S.C. 1681c-2 ) This provision specifically protects identity theft victims by requiring that : Once an identity theft report is submitted, Equifax must block the reporting of fraudulent information.

The block must occur within four business days of receiving proper documentation.

Obligations of Furnishers FCRA 1681s-2 Companies that report information to Equifax are required to : Report truthful and complete information.

Investigate disputes involving identity theft in a reasonable manner.

Remove or correct accounts determined to be fraudulent.

Stop reporting debts that the consumer does not legally owe.

Regulation V 12 C.F.R. Part 1022 Regulation V enforces the FCRA and requires credit bureaus and furnishers to follow strict procedures when handling disputes involving identity theft and questions of account liability.

Statement of Consumer Rights As a consumer affected by identity theft, I am entitled to : The blocking and permanent removal of fraudulent credit information Freedom from collection or reporting on unauthorized accounts Written confirmation of all corrective actions taken Protection against unlawful re-reporting of identity theft-related information Included with attachments below is confirmation of my information also being compromised during the Equifax Data Breach .

Company response to consumer: Closed with explanation