Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding severe violations of the Fair Credit Reporting Act ( FCRA ) resulting from identity theft that has compromised my consumer credit reports. I request immediate investigation and enforcement action regarding multiple violations by credit reporting agencies ( CRAs ), furnishers, and creditors. LEGAL BASIS FOR COMPLAINT : This complaint is filed under the following FCRA provisions : 1. 605B ( 15 U.S.C. 1681c-2 ) - Block of Information Resulting from Identity Theft 2. 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy 3. 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Furnishers of Information 4. 604 ( 15 U.S.C. 1681b ) - Permissible Purposes of Consumer Reports 5. 615 ( 15 U.S.C. 1681m ) - Requirements on Users of Consumer Reports DETAILED VIOLATIONS : 1. Fraudulent Accounts : The following accounts were opened without my authorization, violating 605B 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized XXXX Inquiries : The following inquiries violate 604 ( f ) as they were made without permissible purpose : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date Dec 2025 10. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date Dec 2025 11. XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX. Fraudulent Personal Information : The following information appears on my credit reports without authorization : Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX. XXXX XXXX XXXX : XXXX. XXXX XXXX REQUESTED ACTIONS : Pursuant to the FCRA, I request that the CFPB : 1. Direct all CRAs to immediately block all fraudulent information under 605B 2. Investigate furnishers ' compliance with 623 regarding accuracy of reported information 3. Review all hard inquiries for permissible purpose compliance under 604 4. Require furnishers to conduct reasonable investigations under 611 5. Issue appropriate civil monetary penalties for FCRA violations 6. Mandate removal of all fraudulent personal information 7. Require written confirmation of all corrective actions taken DOCUMENTATION : I have filed a police report and FTC Identity Theft Report, which are available upon request. I am prepared to provide sworn statements regarding the fraudulent nature of these accounts and inquiries. ( Report XXXX : XXXX )

Company response to consumer: Closed with non-monetary relief