Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them.

These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation