Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13817036
Complaint Overview
Complaint ID: 13817036
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Arizona
ZIP Code: 85338
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TRANSUNION, EQUIFAX, EXPERIAN RE : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS FCRA 605B COMPLIANCE REQUIRED WITHIN 4 BUSINESS DAYS To Whom It May Concern, This letter serves as an official and final notice to immediately remove all fraudulent and unauthorized accounts listed below from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in receipt of a legally sufficient identity theft report, as well as the required signed statement, and I am demanding full compliance with federal law. Per the FCRA : 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 date of receipt of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Let me be absolutely clear you are now in possession of all four required elements. Failure to act within the legally required four-day period will be viewed as a willful violation of federal consumer protection law, and I am prepared to pursue civil damages and file formal complaints with the CFPB, FTC, and State Attorney Generals office without further notice. THE FOLLOWING FRAUDULENT ACCOUNTS MUST BE BLOCKED AND REMOVED IMMEDIATELY : XXXX XXXX XXXX Account # XXXX with original creditor XXXX XXXX XXXX XXXXThis account is a result of criminal identity theft and constitute unauthorized use of a credit and medical care.This account was not opened, authorized, nor used by me in any capacity. SIGNED STATEMENT OF NON-AFFILIATION : " I XXXX XXXX, affirm under penalty of perjury that the above-referenced accounts are the result of fraud and identity theft. This account doesnt belong to me and is connected to any transaction or agreement entered into by me. XXXX XXXX XX/XX/year>. Your legal obligation to act is not optional, and the deadline is not negotiable. I expect written confirmation of full deletion of these fraudulent entries and an updated copy of my credit report reflecting these corrections. Do not investigate. Do not verify. Block and remove as required by law. If I do not receive confirmation of compliance within 4 business days of receipt of this notice and supporting documents, I will proceed with immediate legal action. Consider this your final opportunity to avoid liability. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13817036 about?
Complaint #13817036 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-30T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.