Consumer complaint received 2025-10-29 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information that has appeared on my credit report due to identity theft. The following accounts do not belong to me and were opened without my knowledge or authorization : XXXX I am a victim of identity theft and have included documentation to support this, including a copy of my government-issued ID and FTC Identity Theft Report ( as required under FCRA Section 605B ). Under the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are legally required to block and remove any information from a consumers credit file that results from identity theft within four business days, upon receiving appropriate proof and a written request. TransUnion has no verifiable documentation proving these accounts are mine. Continuing to report these accounts is not only negligent but also a violation of my rights under federal law. These accounts are being reported based on hearsay or unverifiable information, and I demand immediate action. Please conduct an investigation and permanently block and delete these accounts from my credit report as required by law. I also request a new copy of my credit report after these items have been removed. If this issue is not resolved within the legally required timeframe, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and seek legal action if necessary- Orginal Complaint I am writing as the consumer and rightful owner of this credit file to confirm that I submitted the original dispute and identity theft report regarding the fraudulent account listed as XXXX. I want to ensure there is no misunderstanding I am the consumer referenced in this complaint, and I did not authorize or open this account. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B, I have provided sufficient proof of identity theft, including a copy of my government-issued identification and my FTC Identity Theft Report. These documents clearly establish that this account was created through fraudulent means and must be blocked and permanently removed from my credit file. 

As the FCRA requires, once proper proof of identity theft has been received, the credit reporting agency must block and delete the fraudulent information within four business days. Continuing to report unverifiable or fraudulent information after being notified constitutes noncompliance with federal law. 

Therefore, I am formally requesting that Equifax immediately : 1. Block and remove the XXXX account from my credit report. 
XXXX. Provide written confirmation that the account has been permanently deleted and will not be reinserted without proper certification and notification as required under FCRA 611 ( a ) ( 5 ) ( B ). 
XXXX. Send an updated copy of my credit report reflecting the deletion. 

I am the verified consumer in question, and this dispute is valid. Please confirm receipt of this correspondence and provide written documentation confirming the completion of these actions

Company response to consumer: Closed with explanation