Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] TO : TRANSUNION, EQUIFAX, EXPERIAN RE : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS FCRA 605B COMPLIANCE REQUIRED WITHIN 4 BUSINESS DAYS To Whom It May Concern, This letter serves as an official and final notice to immediately remove all fraudulent and unauthorized accounts listed below from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in receipt of a legally sufficient identity theft report, as well as the required signed statement, and I am demanding full compliance with federal law.

Per the FCRA : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Let me be absolutely clear you are now in possession of all four required elements. Failure to act within the legally required four-day period will be viewed as a willful violation of federal consumer protection law, and I am prepared to pursue civil damages and file formal complaints with the CFPB, FTC, and State Attorney Generals office without further notice. 

THE FOLLOWING FRAUDULENT ACCOUNTS MUST BE BLOCKED AND REMOVED IMMEDIATELY : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX ( listed twice ) XXXX  Account # : XXXX XXXX XXXX Account # : XXXX These accounts are the result of criminal identity theft and constitute unauthorized use of a credit device, which is any instrument ( e.g., credit cards, loans, lines of credit ) used to obtain credit. These accounts were not opened, authorized, nor used by me in any capacity. 

SIGNED STATEMENT OF NON-AFFILIATION : " I, [ XXXX XXXX ], affirm under penalty of perjury that the above-referenced accounts are the result of fraud and identity theft. These accounts do not belong to me and are not connected to any transaction or agreement entered into by me. '' Signature : ________XXXX XXXX Date : XXXX Your legal obligation to act is not optional, and the deadline is not negotiable. I expect written confirmation of full deletion of these fraudulent entries and an updated copy of my credit report reflecting these corrections. Do not investigate. Do not verify. Block and remove as required by law. 

If I do not receive confirmation of compliance within 4 business days of receipt of this notice and supporting documents, I will proceed with immediate legal action.

Consider this your final opportunity to avoid liability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief