Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This letter is a formal dispute of fraudulent accounts and an identity theft claim. I am submitting this letter to demand the immediate deletion and permanent blocking of all fraudulent accounts and inquiries from my credit file, as per my rights under federal law. I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) at XXXX and have included it in the documentation attached to this letter. My identity was compromised as part of the Equifax data breach, confirmation number XXXX. 
Per the Fair Credit Reporting Act ( FCRA ), I am a victim of identity theft. Accounts and inquiries opened by a thief without my knowledge or consent are fraudulent and must be removed from my credit file. I demand that you permanently block the reporting of all fraudulent accounts and inquiries related to this identity theft, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

I am also exercising my right under FCRA 623 ( a ) ( 1 ) ( A ) to demand that all data furnishers correct and update any inaccurate information they have furnished to the credit bureaus. Furthermore, I am referencing UCC 9-611 and UCC 9-613 , which govern the notification requirements for collection accounts. Since these accounts do not belong to me, I was never notified of them, which is a violation of these codes. 

Disputed Accounts and Flagged Items Based on the Equifax credit report dated XX/XX/XXXX, prepared for XXXX XXXX XXXX : * XXXX Bank ( Account ending in XXXX ) : This account is a negative entry marked as " Charge Off ''. It has a balance of {$980.00} and shows a history of charge-offs from XX/XX/XXXX to XX/XX/XXXX. The narrative codes indicate " Consumer Disputes This Account Information '' ( Code XXXX ) and " Charged Off Account '' ( XXXX XXXX ). This account is fraudulent and must be permanently blocked and deleted. 
* Municipal ECU - IL ( Account ending in XXXX ) : This account is marked as a negative entry with a status of " XXXX XXXX '' and a balance of {$0.00}. The payment history shows " XXXX XXXX XXXXXXXX XXXX '' and " XXXX XXXX '' entries. This account is fraudulent and must be permanently blocked and deleted from my credit report. 
* XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : This is a negative entry with a " Charge Off '' status and a balance of {$1100.00}. The payment history shows " XXXX XXXX past due, '' " XXXX XXXX  past due, '' " XXXX XXXX  past due, '' and " XXXX XXXX ''. The narrative codes include " Consumer Disputes After Resolution '' ( XXXX XXXX ) and " Charged Off Account '' ( XXXX XXXX ). This account is fraudulent and must be permanently blocked and deleted. 

* Capital XXXX Auto Finance ( Account ending in XXXX ) : This is a negative entry flagged with " Repossession '' and " Charge Off ''. The payment history shows " XXXX XXXX past due, '' " XXXX XXXX past due, '' " XXXX XXXX past due, '' and " XXXX XXXX '' marks. The narrative codes include " Paid Repossession '' ( XXXX XXXX ) and " Account Previously in Dispute - Now Resolved by Data Furnisher '' ( XXXX XXXX ). This account is fraudulent and must be permanently blocked and deleted. 

* Synovus/First XXXX ( Account ending in XXXX ) : This account is a negative entry with a status of " XXXX XXXX ''. The payment history includes " XXXX XXXX past due, '' " XXXX XXXX past due, '' " XXXX XXXX past due, '' and " XXXX XXXX '' entries. The narrative codes are " Paid Charge Off '' ( XXXX XXXX ) and " Account Closed By XXXX XXXX '' ( XXXX XXXX ). This account is fraudulent and must be permanently blocked and deleted. 

All Inquiries Please remove all hard inquiries from my credit file as they are fraudulent and were not authorized by me. 

Instructions I have attached the following documents to support my claim : A copy of my official FTC Identity Theft Report from XXXX. 
A copy of my valid driver 's license for identity verification. 
A copy of my Social Security card. 
A recent utility bill or bank statement to prove my current address. 
A copy of the Equifax credit report ( Confirmation # XXXX ). 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief