Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Identity Theft Block Request Under FCRA Section 605B and Formal Dispute Under FCRA Sections 611 and 623 To Whom It May Concern : I am writing to formally dispute and request the immediate blocking and removal of fraudulent account information appearing on my consumer credit report pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2, FCRA Section 611, 15 U.S.C. 1681i, FCRA Section 623, 15 U.S.C. 1681s-2, and all other applicable federal consumer reporting laws. The accounts listed below are fraudulent. I am not aware of these accounts, I did not open them, I did not apply for them, I did not authorize them, I did not sign for them, and I did not benefit from them. These accounts are the result of identity theft and are not related to any transaction authorized by me. Fraudulent Accounts to Block and Remove Company / Furnisher Account Identifier Basis for Block / Dispute XXXX XXXX XXXX XXXX XXXX XXXX Equifax reports as : XXXX XXXX reports as : XXXX Fraudulent account / identity theft / unauthorized account / inaccurate and inconsistent reporting XXXX XXXX XXXX XXXX Fraudulent account / identity theft / unauthorized account ; I am not aware of this account and did not authorize it XXXX XXXX Account ending in XXXX Fraudulent account / identity theft / unauthorized account ; I am not aware of this account and did not authorize it XXXX XXXX Discrepancies XXXX XXXX account is being reported inconsistently between the credit bureaus. Equifax reports the account as XXXX, while XXXX reports the account as XXXX. This inconsistent account number reporting raises serious concerns regarding the accuracy and verification of the alleged account. The payment history is also inconsistent between XXXX and Equifax : XXXX XXXX Equifax Reporting XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX through XX/XX/XXXX : charge-off reporting XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 120 days late XX/XX/XXXX through XX/XX/XXXX : charge-off reporting After XX/XX/XXXX : no same continued charge-off reporting shown These discrepancies demonstrate that the XXXX reporting is inaccurate, inconsistent, unreliable, and unverifiable. Because this account is also being identified as identity theft, it must be blocked and removed pursuant to FCRA Section 605B. XXXX XXXX XXXX Dispute Details I am specifically disputing XXXX XXXX XXXX account number XXXX. I was not aware of this account and did not authorize it. I dispute the full tradeline and all related reporting, including any balance, past-due amount, late payment, charge-off status, collection activity, repossession-related notation, inquiry, and account history associated with this account. If this account is verified in any way, please provide the complete method of verification, including the name, address, telephone number, and contact information of each person or furnisher contacted. I also request that the furnisher provide all documents relied upon to verify this account, including the alleged application, contract, retail installment agreement, proof of identity, e-signature audit trail, IP addresses, timestamps, device information, authentication method, consent record, payment records, and any documents proving I personally authorized and benefited from the account. Formal FCRA Request Pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2, I request that your agency block the reporting of these fraudulent accounts from my credit file. I have identified the accounts as information resulting from identity theft and have provided this written statement that the accounts do not belong to me and were not authorized by me. Pursuant to FCRA Section 611, 15 U.S.C. 1681i, I also request a reasonable reinvestigation of the inaccurate and unverifiable information. Pursuant to FCRA Section 623, 15 U.S.C. 1681s-2, I request that the furnishers conduct a reasonable investigation and correct or delete any inaccurate information they have furnished. Requested Action 1. Block and remove the XXXX, XXXX XXXX XXXX, and XXXX XXXX accounts from my credit file. 2. Delete all associated late payments, charge-off reporting, balances, past-due amounts, collection activity, repossession notations, and inquiries connected to these fraudulent accounts. 3. Forward notice of this identity theft block to each furnisher. 4. Do not allow these accounts to be reinserted unless all legal requirements for reinsertion are satisfied and written notice is provided to me. 5. Provide a corrected copy of my credit report after the fraudulent accounts have been blocked and removed. 6. Provide the method of verification and the name, address, and telephone number of each furnisher contacted if any item is not deleted or blocked.

Company response to consumer: Closed with explanation