Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains multiple unauthorized accounts XXXX XXXX ( Account No. XXXX ), XXXX XXXX ( Account No. XXXX ), and XXXX XXXX ( Account No. XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing these accounts or any related hard inquiries to be included in my credit file. Their presence in my report is unauthorized and has caused significant damage to my creditworthiness and financial opportunities. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of these accounts and any related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer provides valid supporting documentation identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such documentation in the form of an official Police Report ( Case No. XXXX ), which clearly identifies the disputed accounts and establishes an official record of identity theft and unauthorized reporting. Despite this, Equifax continues to report these accounts and associated inquiries, in violation of the FCRAs blocking and deletion requirements. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

Equifax has failed to maintain only accurate, verifiable, and complete information. The continued reporting of unauthorized and unverifiable accounts demonstrates that this standard has not been met. The lack of proper documentation from the furnishers or Equifax itself further confirms non-compliance with the requirement of maximum possible accuracy. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty of reinvestigation.

Upon receipt of a dispute, the credit bureau must conduct a reasonable reinvestigation and delete any item that can not be verified with appropriate authorization. Equifax has failed to provide verifiable evidence that these accounts were legitimately opened or authorized by me. 

FCRA Section 1681a ( 4 ) Protection of non-public personal information.

Maintaining unauthorized accounts and inquiries in my file constitutes an unlawful exposure of my non-public personal information and a breach of privacy protections under federal law. 

Metro 2 / XXXX Non-Compliance. 
Under XXXX and Metro 2 standards, all furnished data must be complete, accurate, consistent, and current. In this case : The identified accounts are unauthorized and inaccurate. 

The hard inquiries lack any permissible purpose. 

The absence of verifiable documentation violates Metro 2 data integrity requirements.

Thus, these items are inherently inaccurate under both the FCRA and Metro 2, reinforcing my right to immediate deletion.

Reinsertion Requirements FCRA Section 611 ( a ) ( 5 ) ( B ).

If Equifax attempts to reinsert any of this information in the future, the law requires : A written certification from the furnisher verifying the accuracy and legitimacy of the item. 

A written notice to me within five ( 5 ) business days, including all supporting documentation.

Objective documentary evidence substantiating that the data is accurate and authorized. 

Generic system verifications, phone confirmations, or good-faith responses do not satisfy these requirements. Any reinsertion without full compliance will constitute a willful violation under 15 U.S.C. 1681n, subject to statutory and compensatory damages.

Personal Impact : I have been denied for legitimate credit applications due to these unauthorized accounts. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This ongoing issue has caused stress, financial loss, and embarrassment as I work to correct inaccurate and unauthorized data that should never have appeared on my report.

Company response to consumer: Closed with explanation