Consumer complaint received 2025-08-01 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: MN

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 accountsincluding a Chapter XXXX Bankruptcy case number XXXX filed on XX/XX/XXXX for {$0.00} ; Credit Card accounts opened with XXXX XXXX XXXX XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an Auto Loan opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple Collection accounts from XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1100.00}, XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1600.00}, and XXXX XXXX XXXX XXXXn XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts and one fraudulent public record appearing on my consumer FICO Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include three Credit Cards opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which have resulted in fraudulent hard inquiries and collections ; XXXX fraudulent Chapter XXXX Bankruptcy, case number XXXX, XXXX on XX/XX/XXXX for {$0.00}, which I never filed and which has caused substantial harm and unauthorized collections and inquiries ; XXXX additional Credit Cards opened at XXXX XXXX XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also linked to fraudulent hard inquiries and collections ; XXXX fraudulent Auto Loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX causing unauthorized collection activity ; three fraudulent Collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1100.00}, XXXX  on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$1600.00}, and XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$630.00}, all associated with fraudulent inquiries and collections ; and XXXX fraudulent Credit Card opened at XXXX on XX/XX/XXXX under account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance, which has contributed to false negative information on my report. I demand that all the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity or adverse actions related to these items cease immediately, as protected under the FCRA and FDCPA laws. 

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