Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
Dear XXXX XXXX XXXX  XXXX Department : I am writing to notify you of a fraudulent account attributed to XXXX XXXX XXXX  XXXX that is appearing on my credit report, and to demand its immediate removal and cessation of reporting. The account in question is identified by account number XXXX ( last XXXX digits XXXX ), opened on XX/XX/year>, and was reported with a balance of {$0.00} ( it XXXX be some form of credit builder or loan account ). I want to state unequivocally that I did not open this account. I have no business relationship with XXXX XXXX XXXX. This account was opened by someone using my personal information without my permission, as part of an identity theft incident. Enclosed please find my FTC Identity Theft Report and a police report, which confirm that I am a victim of identity theft and that this specific account is fraudulent. When I became aware of this fraudulent account, I took action through the credit bureaus by providing my identity theft affidavit and requesting a block under FCRA 605B. The credit bureaus responded by removing the account from my credit file and notifying XXXX XXXX XXXX  that the information was a result of identity theft lawhelpmn.org. For a period of time, the account did not appear on my reports. However, I have now discovered that it has been reinserted or re-reported by XXXX XXXX XXXX, causing it to appear again on my credit report. This is a clear breach of the protections I am afforded as an identity theft victim. 
I am exercising my rights under federal law and demanding that XXXX XXXX XXXX  immediately and permanently cease reporting this fraudulent account. To be specific : XXXX XXXX XXXX  must instruct all consumer credit reporting agencies to delete the account # XXXX from my credit reports and to block its reinsertion. Under the FCRA, once an identity theft report has been provided, the information should remain blocked from my file. 
There is no permissible reason for this account to reappear, as none of the exceptions for undoing a block ( such as proof of fraud by the consumer ) apply. 
Please update your internal records to reflect that this account was opened fraudulently and is not my obligation. It should be flagged as an identity theft account. 
Cease any collection or communication attempts related to this account. Also, be advised that selling or transferring a fraudulent debt after receiving notice of identity theft is illegal. 
. You must not sell this account or assign it to any collector. 
Provide written confirmation to me that you have removed the account from XXXX credit bureau reporting and that XXXX XXXX XXXX  acknowledges the account was fraudulent. In your confirmation, please verify that you have notified Equifax, XXXX, XXXX, and any other bureau that this account is to be blocked and not reported due to identity theft. 
I expect to receive a written response from your bank within 30 days confirming these actions. If this issue is not resolved to my satisfaction namely, if the account remains on my credit reports or if I do not receive timely confirmation I will file complaints with the Consumer Financial Protection Bureau, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission. I am prepared to pursue all available legal remedies to protect my rights and ensure compliance with the FCRA. XXXX XXXX XXXX, as a regulated financial institution, has an obligation to protect consumers from the fallout of identity theft. Continuing to report a known fraudulent account inflicts harm on the victim and violates federal law credlocity.com. I trust that your institution will correct this matter immediately. Thank you for your prompt attention to this demand. Sincerely, XXXX XXXX XXXX Victim of Identity Theft Fraudulent Account # XXXX

Company response to consumer: Closed with explanation