Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
XX/XX/XXXX also bankruptcy and other items is past statute of reporting and needs to be removed immediately. 

These accounts under FTC and FCRA are still illegally being reported to my credit report and is totally illegal. Remove those two accounts that I am not associated with or action will be taken directly against Transunion because you guys are the one thats failing to acknowledge the FTC and FCRA. Totally illegal! 

By law under FTC and FCRA and upon receipt of this notice by law its 30 days from opening my complaint and a resolution has to be resolved. XXXX Equifax, XXXX  has not followed the law under FCRA FTC and this is my final notice I will send to XXXX about rightful laws. A lawsuit will be issued directly against XXXX, Equifax, XXXX  for not following the rules of FCRA and FTC. These accounts are not mine or attached to me. I have all my documentation basically Equifax is not following the rules under FCRA and a lawsuit will be initiated if these items are not removed Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC Sec 15 6801, 6802,1666 ( b ) USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX Equifax, XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX and XXXX  report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you mu * * * bankruptcy below Bankruptcy Discharged XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Bankruptcy Discharged XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$740.00} XXXX XXXX Bank XXXX Date Opened XX/XX/XXXX Balance {$190.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$15000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX & XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX XXXX  Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation