Consumer complaint received 2025-10-12 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 . 
P.O. XXXX XXXX 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 Data Breaches To Whom It May Concern, I am writing to formally dispute the following fraudulent accounts that are currently reporting on my Experian, Equifax, and TransUnion credit reports. I have never applied for, opened, or authorized these accounts, and I did not provide verbal or written consent for any of these creditors to report or furnish information about me. 
Fraudulent Accounts : XXXX XXXX Acct. No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Acct XXXX No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} I recently learned that my personal information was compromised in several major data breaches, including the XXXX XXXX XXXX XXXX, the Equifax Data Breach, and most recently, the TransUnion Data Breach. As a result of these breaches, it is clear that my information has been used to open unauthorized and fraudulent accounts in my name. 
Your continued reporting of these fraudulent tradelines is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically : FCRA 1681i ( a ) : Requires you to conduct a reasonable reinvestigation of disputed information and delete or correct any unverifiable or inaccurate information.

FCRA 1681e ( b ) : Mandates that credit bureaus maintain the maximum possible accuracy of the information they report. Reporting accounts not belonging to me violates this standard.

FCRA 1681c-2 ( FACTA ) : Requires credit reporting agencies to block and permanently remove any information that results from identity theft upon receipt of proper documentation such as an FTC Identity Theft Affidavit or police report.

FCRA 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted fraudulent information without full verification and written notice to the consumer within five business days.

FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Establish civil liability for willful and negligent noncompliance with these provisions.

I am demanding that both accounts listed above be immediately and permanently deleted from my Experian, Equifax, and TransUnion credit reports. I further request written confirmation once these accounts have been deleted and blocked from reinsertion.

If you fail to act within the time frame required under FCRA 611 ( 15 U.S.C. 1681i ), I will escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement and potential legal action.

Please treat this matter as urgent and process this dispute expeditiously as required by federal law.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief