Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Immediate Deletion Request for Fraudulently Opened Account Identity Theft and FCRA Violations To Whom It May Concern, I am filing this formal identity theft and credit reporting violation complaint under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Credit Billing Act ( FCBA ) regarding a fraudulent credit account that was not opened, authorized, or used by me. This account was illegally reported on my credit report and has caused significant and ongoing harm to my credit standing, finances, and ability to obtain creditespecially during the current federal shutdown and resulting economic hardship. 



Details of the Violation The company in question opened an account in my name without my knowledge or consent. 
I did not submit an application, authorize any inquiry, or provide identification to this creditor. The account was created and reported fraudulently, constituting identity theft and unauthorized use of my personal information. 

The presence of this account on my credit report is an egregious violation of federal consumer protection laws and must be immediately deleted from all credit bureau files ( Experian, Equifax, and TransUnion ).

Applicable Credit Reporting Laws and Federal Protections Under the Fair Credit Reporting Act ( FCRA ) and related statutes, the following laws directly apply to this situation : 1. FCRA 602 ( A ) ( 1 ) Accuracy and Fairness Congress established that consumer reporting agencies must adopt reasonable procedures to assure maximum possible accuracy of information concerning the individual.

Reporting a fraudulent account that I did not authorize violates this core accuracy standard.

2. FCRA 605B Identity Theft Block When a consumer submits proof of identity theft, the credit bureau must block all information resulting from identity theft within four ( 4 ) business days.

Upon receipt of this dispute and identity theft claim, the credit bureau is legally required to block and delete the fraudulent account from my file.

3. FCRA 611 ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information Credit bureaus must reinvestigate and delete any information that is inaccurate, unverifiable, or fraudulent within 30 days.

Because this account was not opened by me and can not be verified as legitimate, it must be removed immediately.

4. FCRA 623 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately Creditors and furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate.

The company furnishing this account to the credit bureaus is in direct violation of this provision by continuing to report a fraudulent account.

5. FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) Civil Liability Failure by any credit bureau or furnisher to comply with these sections subjects them to civil liability for willful or negligent noncompliance, including actual damages, punitive damages, attorneys fees, and costs.

Continued reporting after notice of fraud constitutes willful noncompliance.

6. FACTA 112 ( 15 U.S.C. 1681c-2 ) Fraud Alert and Identity Theft Prevention Consumers have the right to place a fraud alert and demand blocking of all information related to identity theft.

I am formally invoking my right to a fraud alert and requesting full removal of this unauthorized account.

Requested Remedies I am demanding immediate action under federal law to correct this matter. Specifically : 1. Immediate deletion and permanent blocking of all fraudulent accounts and related inquiries.

2. Written confirmation from each credit bureau verifying deletion of the account.

3. Investigation and accountability for the company that illegally furnished this account.

4. Removal of any related negative marks, late payments, or derogatory indicators associated with this identity theft incident.

5. Updated credit reports reflecting complete removal of the unauthorized and fraudulent accounts Legal Notice and Final Demand Please be advised that continued reporting of this fraudulent account, after formal notice of identity theft, will constitute willful and negligent violation of the Fair Credit Reporting Act and related federal statutes.

I will pursue all remedies available under 15 U.S.C. 1681n and 1681o, including damages, costs, and attorneys fees if this matter is not fully resolved within 30 calendar days as required by law. 

I expect written confirmation that this account has been permanently removed from my credit report and that no further collection, reporting, or communication will occur regarding this fraudulent account.

Company response to consumer: Closed with explanation