Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ CREDIT BUREAU ] immediately block and permanently remove multiple fraudulent accountsCollections, Charge-Offs, Late Payments, and Hard Inquiriesadded to my credit report without my knowledge or authorization. These accounts are fraudulent and include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$420.00}, Collection ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$5900.00}, Auto Loan ), XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Collection ), XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX, Collection )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}, Collection ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection ). I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX, XXXX ) and supporting documentation, including proof of compromise in the Equifax data breach, and demand these items be blocked and permanently removed. I am filing this FTC Identity Theft Affidavit to report five ( 5 ) fraudulent accounts on my consumer FICO Equifax credit report that I do not recognize and that are the result of identity theft and fraud. These include accounts reported by Chime Financial ( XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX collection ), XXXX Auto ( XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX auto loan ), XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, {$860.00} collection ), and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$370.00}, both collections ). These accounts were opened and reported without my authorization and have caused fraudulent negative reporting. I demand that all listed items be immediately removed from my credit reports and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. I am filing this FTC Identity Theft Affidavit to report three ( 3 ) fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These accounts consist of a Collection opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX  ( {$9600.00} ), a Collection opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX and a Collection opened at CoasXXXX XXXX XXXXast F on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX  ( {$820.00} ). These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand that these fraudulent items be removed from my credit reports and that all collection activity related to them 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