Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
To Whom It May Concern, This is a formal identity theft declaration and reinvestigation demand under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. My credit and consumer files contain multiple inaccurate, outdated, and fraudulent entries that are preventing me from obtaining credit and banking access.

I did not authorize or open most of the accounts, inquiries, or addresses currently reported in my file. Accordingly, I demand that you perform a complete reinvestigation and remove all unverifiable data in compliance with FCRA 605B, 611, and 607 ( b ).

1. PERSONAL INFORMATION TO BE DELETED The following personal identifiers are inaccurate or unauthorized and must be deleted : Names : XXXX XXXX XXXX, XXXX XXXX ( all alternate versions ) Previous Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Any other address not listed as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Employer ( XXXX ) : XXXX XXXX Fire and Rescue Phone Numbers : All listed numbers that do not match my current contact number Email Addresses : Any email other than my current one ( if applicable ) Under FCRA 607 ( b ), you are required to maintain maximum possible accuracy. Delete these outdated or inaccurate identifiers immediately. 



XXXX. FRAUDULENT OR INACCURATE ACCOUNTS TO BE DELETED The following accounts are inaccurate, fraudulent, or unverifiable and must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Two charge-offs totaling {$980.00} and {$1400.00} XXXX XXXX XXXXXXXX Charge-off {$1800.00} Department of Education / XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and all related sub-accounts ) falsely reporting 180-day late payments XXXX XXXX XXXX Collection {$140.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported for Suspected Fraud Activity, never authorized or opened Any other closed or collection account not matching XXXX XXXXXXXX The only valid and accurate account I recognize is : XXXX XXXX XXXX, good standing, utilization 11 %.

All other accounts are disputed as identity theft or unverifiable under FCRA 605B and must be deleted unless verified by original signed contracts and account-level documentation.

3. UNAUTHORIZED INQUIRIES TO BE DELETED The following inquiries were not authorized and violate FCRA 604 ( a ) ( no permissible purpose ). Please delete them immediately 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 XXXXXX/XX/XXXX None of these inquiries were initiated by me or with my consent.

4. REQUESTED ACTIONS I demand that each bureau and XXXX : 1. Delete all disputed items listed above that can not be fully verified ; 2. Block fraudulent information under FCRA 605B ; 3. Provide a written explanation of the results of each reinvestigation within 30 days ; 4. Send corrected reports reflecting all deletions ; and 5. Notify all furnishers and recipients of my report that these items were removed due to identity theft.

5. ATTACHED DOCUMENTS ( IF APPLICABLE ) Copy of government-issued ID Proof of current address ( utility bill or lease ) FTC Identity Theft Report or police report ( available upon request ) 6. FAIR RESOLUTION REQUEST A fair resolution requires : Deletion of all inaccurate names, addresses, and employers Deletion of all fraudulent and unverifiable accounts Deletion of all unauthorized inquiries Confirmation that only my XXXX  account remains Written confirmation that my credit file has been corrected Sincerely, XXXX XXXX XXXX ( Signature ) Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation