Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Dispute Identity Theft & Request for Permanent Deletion of Fraudulent Accounts ( XXXX XXXX XXXX  {$1300.00} & XXXX XXXX XXXX  {$440.00} ) Dear Equifax Dispute Department, I am writing to dispute two fraudulent accounts that are currently being reported on my Equifax credit report under the name XXXX XXXX XXXX  with balances of {$1300.00} and {$440.00} respectively. 

I have never applied for or authorized these accounts. They are the result of identity theft. At the time these accounts were allegedly opened, I was hospitalized, fighting for my life due to XXXX XXXX I was incapacitated and completely unable to enter into any contractual obligations. The fact that these accounts were fraudulently created during this medical emergency, and are now being reported on my credit profile, is both unlawful and deeply distressing.

Applicable Consumer Protection Laws Violated : 15 U.S.C. 1681e ( b ) : Requires Equifax to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. These accounts do not meet that standard.

15 U.S.C. 1681i : Mandates that CRAs must reinvestigate disputed information and delete unverifiable or fraudulent data within 30 days.

15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires CRAs to block identity theft-related information within four business days after receiving valid documentation.

15 U.S.C. 1681n & 1681o : Imposes civil liability for willful and negligent noncompliance with the FCRA, including actual and punitive damages.

31 U.S.C. 5118 : Prohibits reporting debt obligations that are not lawfully originated or contractually valid. 

Attached Documentation : FTC Identity Theft Affidavit XXXX  Identity Theft Police Report Copy of my Government-Issued ID Recent Utility Bill for identity verification Medical documentation ( if applicable ) My Formal Requests : 1. Immediately and permanently delete both XXXX XXXX XXXX  accounts ( {$1300.00} and {$440.00} ) from my Equifax credit report.

2. Block any reinsertion of these accounts unless verified with full, original documentation showing my contractual agreement and consent per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Send written confirmation of the reinvestigation results and any actions taken.

The continued presence of these fraudulent accounts is unlawful, especially considering the circumstances under which they were opened. If Equifax fails to comply with its obligations under federal consumer protection law, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider pursuing legal remedies. 

Thank you for your urgent attention to this matter. I expect a full and lawful resolution within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief