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:
To Whom It May Concern : I am a victim of identity theft, and multiple credit accounts attributed to XXXX XXXX XXXX  on my credit reports were opened fraudulently in my name. Specifically, I refer to the following two First XXXX XXXX  credit card accounts that I did not open or authorize : account ending in XXXX ( opened XX/XX/XXXX, approximately {$670.00} balance ) and account ending in XXXX ( opened XX/XX/XXXX, approximately {$1000.00} balance ). These accounts were illegally opened by an identity thief and do not belong to me. I have enclosed a copy of my FTC Identity Theft Report and a police report, which serve as formal proof of the identity theft and my dispute of these accounts. Upon my initial disputes, the credit bureaus removed these fraudulent XXXX XXXX  accounts from my credit files. However, I have recently discovered that they have been re-reported by XXXX XXXX XXXX and have reappeared on my credit reports. This is extremely distressing, as it undermines the relief provided to identity theft victims under the Fair Credit Reporting Act. FCRA 605B requires that any information resulting from identity theft be blocked from credit reporting once a proper identity theft report is provided credlocity.com. The credit bureaus should have informed XXXX XXXX XXXX  of my identity theft case and the requirement to cease reporting these accounts lawhelpmn.org. XXXX XXXX XXXX  has no lawful basis to continue reporting or reinsert these accounts. Unless there was an error or fraud in my identity theft claim ( there was none ), the FCRA does not allow reinsertion of the blocked information consumer.ftc.gov. Moreover, furnishers are prohibited from pursuing collection or otherwise benefiting from a debt once they have notice that it resulted from identity theft fair-debt-collection.com. By re-reporting these debts to credit agencies, XXXX XXXX XXXX  is effectively treating them as valid debts, which it should not do given the notice of fraud. I am writing to demand that XXXX XXXX XXXX  immediately delete these two fraudulent accounts from all credit reporting and cease any further reporting of them. This means you must promptly notify Equifax, XXXX XXXX, and any other consumer reporting agency to permanently remove/ suppress these account entries from my credit profile. Going forward, under no circumstances should these accounts be reported again in association with my name or credit information. Please also update your internal records to reflect that these accounts were the result of identity theft, are not my responsibility, and have been closed due to fraud. I ask that you provide a written confirmation to me that : ( a ) you have instructed all credit bureaus to remove these accounts and not to reinsert them, and ( b ) XXXX XXXX XXXX  will not sell, transfer, or assign these fraudulent debts for collection ( since doing so is forbidden by law fair-debt-collection.com ). I expect your written confirmation within 30 days of receipt of this notice. Failure to comply with these requests would violate the FCRA and other applicable laws. In that event, I am prepared to file complaints with the FTC, CFPB, and the Office of the Comptroller of the Currency ( as applicable ), and to pursue legal action to enforce my rights. XXXX XXXX XXXX  has a duty to assist identity theft victims by blocking and removing fraudulent information from their credit reports credlocity.com. I appreciate your prompt attention to this matter and trust that you will handle this dispute with the seriousness it deserves. Thank you for preventing any further harm to my credit reputation. Sincerely, XXXX XXXX XXXX Victim of Identity Theft XXXX XXXX Accounts ending XXXX & XXXX

Company response to consumer: Closed with explanation