Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of identity theft and fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX, XXXX, XXXX, XXXX and XXXX ) together with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. Equifax is currently reporting several unauthorized Department of EducationXXXX student loan accounts, including one ending in XXXX, opened on XX/XX/XXXX, with a balance of {$3000.00} ; another ending in XXXX, opened on XX/XX/XXXX, with a balance of {$1700.00} ; and a further account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$22000.00}. Additional fraudulent Department of EducationXXXX accounts ending in XXXX are reported as opened on XX/XX/XXXX, with balances of {$3000.00} and {$1700.00} ; XX/XX/XXXX, with a balance of {$4500.00} ; XX/XX/XXXX, with a balance of {$21000.00} ; XX/XX/XXXX, with balances of {$5500.00} and {$7000.00} ; XX/XX/XXXX, with a balance of {$7000.00} ; XX/XX/XXXX, with a balance of {$15000.00} ; XX/XX/XXXX, with a balance of {$12000.00} ; XX/XX/XXXX, with a balance of {$110000.00} ; and XX/XX/XXXX, with a balance of {$1200.00}. Equifax is also reporting multiple unauthorized U.S. Department of Education accounts ending in XXXX, opened between XX/XX/XXXX and XX/XX/XXXX, each with a reported balance of {$2000.00}. Other fraudulent accounts include a XXXX XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$2400.00} ; XXXX XXXX accounts ending in XXXX and XXXX, opened in XXXX and XX/XX/XXXXXXXX  with balances of {$5900.00} and {$6800.00} ; and a Department of EducationXXXX account XXXX in XXXX, opened on XX/XX/XXXX, with a balance of {$6000.00}. I never applied for, opened, or authorized any of these accounts, and I request that they be immediately blocked and permanently removed from my Equifax credit file pursuant to my rights under the FCRA.I am filing this FTC Identity Theft Affidavit to report 21 fraudulent student loan accounts appearing on my consumer FICO Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These include multiple loans reported by DPT EDXXXX between XXXX  under account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, with balances ranging from {$1200.00} to {$110000.00}, along with entries from US Dept ED under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$2000.00} each, reported in XXXX. Additional fraudulent accounts were reported by XXXX XXXX ( XXXXXXXX XXXX for {$2400.00} ), XXXX  XXXX ( XXXX * and XXXXXXXX XXXX  for {$5900.00} {$6800.00} ). These fraudulent accounts have also triggered hard inquiries and collection activity. I demand that these items be deleted from my credit file and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief