Consumer complaint received 2025-08-29 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:
XXXX XXXX XXXX XX/XX/XXXX SS : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you forward this to TransUnion, Equifax, and Experian credit reporting agencies, requiring them to block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. Additionally, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I request that the credit reporting agencies conduct a reasonable reinvestigation of the disputed information within 30 days, delete any unverifiable or inaccurate information resulting from the identity theft, and provide me with the results of the investigation, including any notifications sent to furnishers of the information. Pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I further request that the credit reporting agencies disclose to me all application and business transaction records relating to the fraudulent accounts within XXXX business days, as I am a victim of identity theft. 
These accounts consist of : Bank XXXX XXXX credit card opened XX/XX/XXXX, with a balance of {$9500.00}. 
Bank XXXX XXXX credit card opened XX/XX/XXXX, with a balance of {$500.00}. 
Credit card opened at XXXX Bank XXXX Delaware on XX/XX/XXXX, with a balance of {$13000.00}. 
Credit card opened at XXXX on XX/XX/XXXX, with a balance of {$2400.00}. 

I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, unknown addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, unknown addresses, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, unknown addresses, and inquiries are the result of identity theft and fraud. 
In addition to the above, I am attaching copies of the following FCRA sections for your reference and to ensure full compliance : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Block of information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) : Procedure in case of disputed accuracy, requiring deletion of unverifiable information.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Disclosure to victims of identity theft.

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Prohibition on sale or transfer of debt caused by identity theft.

Failure to comply with these provisions may result in violations of the Fair Credit Reporting Act, entitling me to actual damages, statutory damages, punitive damages, and attorney 's fees under FCRA 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ). Please confirm in writing within 10 days that the fraudulent information has been blocked, investigated, and permanently deleted from my credit report, and that all furnishers have been notified accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief