Consumer complaint received 2025-12-09 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:
DISPUTE OF FRAUDULENT ACCOUNT FORMAL IDENTITY THEFT STATEMENT NUVISION FCU ACCT. NO. XXXX BALANCE : {$590.00} To Whom It May Concern : I am formally disputing the reporting of the above-referenced account, which is appearing on my credit report without my knowledge, authorization, or consent. I did not apply for, open, authorize, or benefit from this account in any way. This entry is the result of identity theft and constitutes a direct violation of my consumer rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), I am invoking my right to request the immediate and permanent blocking, removal, and deletion of all information related to this fraudulent account. This section strictly prohibits the continued reporting of any account resulting from identity theft once the consumer provides proof of the fraud, which I am doing through my FTC Identity Theft Affidavit and supporting documentation.

Additionally, pursuant to FCRA 602 ( A ), 15 U.S.C. 1681, you are legally obligated to maintain maximum possible accuracy in the information you report. Reporting an account that I did not open constitutes negligent and willful non-compliance under 15 U.S.C. 1681n and 1681o, which carries civil and statutory penalties.

This account violates Permissible Purpose laws under 15 U.S.C. 1681b, because I did not grant authorization for any credit inquiry, extension of credit, or any business relationship with XXXX XXXX. Any access or furnishing of my personal information without my consent constitutes an unlawful use of my consumer report. 
Under the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 112 / 15 U.S.C. 1681m, you are required to have reasonable procedures in place to prevent identity theft, including reviewing red flags and preventing fraudulent accounts from being created or reported. Your failure to verify my identity before allowing this account to be opened and reported represents a serious breakdown of compliance obligations. 
Therefore, under FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 605B ( 15 U.S.C. 1681c-2 ), I am demanding : The immediate and permanent deletion of the fraudulent NuVision FCU account ( Acct. No. 641489XXXX, Balance : {$590.00} ) from my credit file across all consumer reporting agencies. 
Removal of any unauthorized inquiries, records, or information associated with this fraudulent account. 
Written confirmation that the account has been permanently deleted and will not reappear in the future. 
A full reinvestigation compliant with federal law and completed within the required 4 business days under 605B once identity theft documentation is provided.

Any continued reporting of this account after receipt of my affidavit and dispute documentation will be considered knowing and willful non-compliance, triggering liability under 15 U.S.C. 1681n and 1681o, and may be escalated to the CFPB, FTC, Attorney General, and legal counsel if necessary. 
I expect full compliance and confirmation in writing once this fraudulent account has been permanently removed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief