Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. 
There are accounts reporting 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) that I never authorized. 
I didn't open them, I didn't give permission for them to appear on my file, and I definitely didn't consent to have them reported to any credit bureau. 
At no point did I give written authorization, verifiable electronic consent, or any other form of permission for these accounts or inquiries to be on my credit file. Their presence has been causing ongoing damage to my financial stability and my reputation. 

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what Equifax is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : A consumers credit file may only contain information obtained for a lawful permissible purpose. The inclusion of these accounts and related hard inquiries without documented consent constitutes a direct violation of this section. Equifax is using and disclosing my non-public personal information without authorization. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( Case No. XXXX ) identifying the disputed accounts and inquiries, yet Equifax continues to report them, causing ongoing harm and violating this section. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Equifax has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Investigate : Upon receiving a dispute, the bureau must reasonably investigate and delete any information it can not verify with actual documentation. If Equifax can not provide written proof that I authorized these accounts or inquiries, it must delete them. 

FCRA Section 611 ( a ) ( 5 ) ( B ) Reinsertion Requirements : If deleted information is later reinserted, the creditor must provide written certification verifying accuracy and legitimacy, Equifax must notify me in writing within five ( 5 ) business days, and actual documentary evidence must exist proving authorization. Failure to comply constitutes a willful violation under 15 U.S.C. 1681n.

Metro 2 Compliance Violations : Under CDIA Metro 2 standards, all furnished data must be complete, accurate, consistent, and current. These accounts and inquiries fail that standard because : Theyre inaccurate ( I never authorized them ) The inquiries lack a valid permissible purpose No documentation supports their inclusion Therefore, both under the FCRA and Metro 2, this information is fundamentally incorrect and must be removed. 

PERSONAL IMPACT : This isnt just a problem on paper. These incorrect accounts and inquiries have significantly lowered my credit score. 

I was denied a mortgage ; the loan officer pointed directly to these accounts as the reason. 

I was approved for a vehicle loan, but the interest rate was sky-high compared to what I should qualify for. 

I was denied a credit card I needed, and every new application triggers another inquiry, worsening the cycle. 

I lost hours making calls, researching, and gathering documents just to correct information that shouldnt exist. 

My plans to improve my financial situation are on hold because of these errors. 
This situation causes financial strain, frustration, and anxiety knowing Im being punished for something that violates my rights from the beginning. It affects my daily life in ways it shouldnt.

Company response to consumer: Closed with non-monetary relief