Consumer complaint received 2025-06-06 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: MO

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute and Final Legal Demand for Removal of Fraudulent Truist Credit Card Account To Whom It May Concern, I am writing to dispute and demand the immediate removal of a fraudulent Truist credit card account currently appearing on my Equifax credit report. This account was opened without my knowledge, authorization, or consent and is the direct result of identity theft following the well-documented XXXX Equifax data breach, which compromised my personal identifying information. 

Equifax Data Breach and Its Consequences As you are aware, Equifax suffered a massive data breach in XXXX affecting over XXXX XXXX consumers. I was formally notified that I was among the breach victims, and the exposure of my personal informationincluding my full name, date of birth, Social Security number, and addressdirectly enabled a third party to fraudulently open this XXXXXXXX XXXX XXXX account in my name. 

Documentation Provided in Accordance with FCRA 1681c-2 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have submitted to Equifax the required identity theft documentation : A formal Identity Theft Report filed with the Federal Trade Commission ( FTC ) ; A copy of my U.S. Passport for identity verification ; A utility bill verifying my current address ; A signed letter affirming that the Truist credit card was fraudulently opened.

Despite Equifaxs legal obligation to block the fraudulent information within 4 business days of receiving this documentation, the account remains active on my credit report. This is a clear and ongoing violation of federal law.

Legal Requirements and Violations Per 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ... not later than 4 business days after the receipt by such agency of ( i ) appropriate proof of the identity of the consumer ; ( ii ) a copy of an identity theft report ; ( iii ) the identification of such information by the consumer; and ( iv ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Equifax is in violation of this statute by failing to block the fraudulent XXXX credit card account. 

Furthermore, it is illegal under the FCRA for a credit reporting agency to continue reporting disputed identity theft accounts while waiting for a response from the creditor or conducting an internal reinvestigation. 

XXXX XXXX : XXXX v. XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) : The court ruled that a credit reporting agency must block identity theft information immediately upon valid documentationregardless of the data furnisher 's response. 

Final Legal Notice Before Lawsuit This letter shall serve as your final warning. If Equifax does not remove the fraudulent XXXX credit card account from my credit immediately, I will pursue legal action under : 15 U.S.C. 1681n Willful noncompliance with the FCRA ( entitling me to actual, statutory, punitive damages, and legal costs ) ; 15 U.S.C. 1681o Negligent noncompliance ( allowing recovery of damages and attorneys fees ) ; 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

I will also submit formal complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Relevant Case : In re Equifax , Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX ) : Equifax settled for {$570.00} XXXX for its role in compromising consumer data and has accepted liability for misuse arising from that breach. 

Demand for Immediate Action To resolve this matter, I demand that Equifax : Immediately and permanently block and delete the fraudulent Truist credit card account ; Issue written confirmation of the removal ; Cease all reporting of this account to third parties ; Fully comply with your obligations under the FCRA. 

Failure to act will result in litigation for multiple FCRA violations, plus damages directly tied to Equifax 's failure to prevent the original breach. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation