Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
AFFIDAVIT OF IDENTITY THEFT & DEMAND FOR IMMEDIATE BLOCK UNDER FCRA 605B XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC Identity Theft Report # : XXXX To Equifax This letter serves as my formal affidavit and legal demand pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). FCRA 605 and 605B govern the reporting and mandatory blocking of inaccurate and identity-theft-related information. Specifically, 15 U.S.C. 1681c-2 is the federal identity theft blocking statute, which requires consumer reporting agencies to block and remove accounts that resulted from identity theft once a valid FTC Identity Theft Report and identification are provided. I am a verified victim of identity theft. 
My personal information was exposed in a known data breach, and fraudulent accounts were subsequently opened without my knowledge, consent, or authorization. 
I previously disputed these accounts. You claimed they were verified, yet no documents, contracts, applications, signatures, or lawful proof were ever provided to me. This constitutes violations of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i.

15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain maximum possible accuracy. Reporting accounts I never authorized and can not be contractually validated violates this duty.

15 U.S.C. 1681i ( FCRA 611 ) governs dispute reinvestigations and requires deletion of information that can not be properly verified. A claim of verification without documentary evidence is not a lawful reinvestigation. 
FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE BLOCK XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Account # : XXXX Amount : {$830.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$290.00} STATUTORY NOTICE FOUR ( 4 ) BUSINESS DAY DEADLINE Pursuant to 15 U.S.C. 1681c-2 ( a ) ( FCRA 605B ), once a consumer submits an FTC Identity Theft Report and proper identification, a consumer reporting agency is legally required to BLOCK AND REMOVE the fraudulent information from the consumers credit file NO LATER THAN FOUR ( 4 ) BUSINESS DAYS after receipt. This four-day deadline is mandatory by federal law and does not permit delay, reinvestigation, or discretionary review. 
Failure to remove and block these accounts within the four-business-day statutory window constitutes a willful violation of FCRA 605, 605B, 1681e ( b ), and 611, exposing your agency to civil liability under 15 U.S.C. 1681n and 1681o.

UCC NOTICE RIGHTS RESERVED Pursuant to UCC 1-103 and UCC 1-308 , I expressly reserve all rights. No debt, obligation, or account may be enforced absent mutual assent, lawful authorization, and a valid signed agreement. Any alleged account lacking contractual proof is unenforceable and may not be lawfully reported. 
This notice is sent without prejudice and under penalty of perjury. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation