Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
I am writing to formally lodge a complaint and request the immediate removal of fraudulent and inaccurate items that appear on my credit report, which were caused by identity theft. These items were opened in my name without my consent, and their continued presence on my credit report is causing significant harm to my credit score and financial stability. I am requesting the prompt removal of these items in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing Section 605 ( b ) and Section 1681c-2.The following items on my credit report are the result of identity theft, unverifiable data, or inaccurate information, and I request their removal : XXXX XXXX XXXX ( Account # XXXX ) Current Balance : $ XXXX Reported : XX/XX/XXXX, XXXX of Dispute : Identity TheftXXXX XXXX ( Account # XXXX ) Current Balance : $ XXXX Opened : XX/XX/XXXX, XXXX of Dispute : Fraudulent Account ( Unverifiable ) XXXX XXXX XXXX ( Account # XXXX ) Current Balance : $ XXXX Reported : XX/XX/XXXX, XXXX of Dispute : Inaccurate XXXX XXXX XXXX XXXX  ( Account # XXXX ) Current Balance : $ XXXX Opened : XX/XX/XXXX, XXXX of Dispute : Identity TheftXXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Current Balance : $ XXXX Reported : XX/XX/XXXX, XXXXNature of Dispute : Misleading/Incorrect ReportingLegal Basis for RequestUnder FCRA Section 605 ( b ), I have the legal right to request the removal of fraudulent information from my credit report if the information was the result of identity theft. Additionally, FCRA Section 1681c-2 requires that fraudulent accounts resulting from identity theft be removed from my credit report upon submission of appropriate documentation, such as a police report or Identity Theft Affidavit.I have attached an Identity Theft Affidavit to support my claim. These fraudulent accounts remain on my credit report despite my efforts to notify the affected creditors. Therefore, I am requesting immediate action to remove these accounts.Request for Immediate Action and Compliance with FCRAIn accordance with FCRA Sections 605 ( b ) and 1681c-2, I respectfully request the immediate removal of the above-listed accounts from my credit report. Given the ongoing harm these fraudulent and inaccurate entries are causing, I request that these items be removed within four ( 4 ) business days from the date of this letter.The continued presence of these items on my credit report is a direct violation of my rights under the FCRA and is severely impacting my creditworthiness and financial opportunities. I am requesting your immediate assistance to ensure my credit report is corrected in a timely manner.Supporting Documentation Please find attached the following documents to support my request : Identity Theft AffidavitCopy of my credit report highlighting the disputed itemsAdditional correspondence with creditors or fraud alerts ( if applicable ) I trust that the Consumer Financial Protection Bureau will take immediate action to investigate and ensure the swift removal of these fraudulent and inaccurate items from my credit report. I look forward to receiving confirmation of the removal of these accounts within four ( 4 ) business days.Please contact me immediately if additional information or clarification is required. I appreciate your prompt attention to this urgent matter.Sincerely, XXXX XXXX you responded that Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, HIGH CREDIT, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, ACTUAL PAYMENT, ACCOUNT HISTORY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, ACTUAL PAYMENT, DATE OF MAJOR DELINQUENCY 1ST REPORTED, CREDIT LIMIT Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. NON REPORTING DISPUTES Trade : XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Name THE DISPUTED ITEM IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE. IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS : UPON RECEIPT OF YOUR DISPUTE, WE FIRST REVIEW AND CONSIDER ANY RELEVANT INFORMATION YOU SUBMITTED REGARDING THE NATURE OF YOUR DISPUTE. OFTEN, EQUIFAX WILL THEN TRANSMIT YOUR DISPUTE TO THE FURNISHER OF THE INFORMATION ( IE. THE BANK ASSOCIATED WITH A DISPUTED CREDIT CARD ) FOR REVIEW AND INVESTIGATION. EQUIFAX ELECTRONICALLY SENDS A NOTIFICATION OF YOUR DISPUTE, INCLUDING A SUMMARY OF THE RELEVANT INFORMATION SUBMITTED, TO THE RESPECTIVE FURNISHER. THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY. IN THE CASE OF A PUBLIC RECORD ITEM SUCH AS A JUDGMENT, TAX LIEN OR BANKRUPTCY, EQUIFAX SEEKS THE MOST RECENT FILING ASSOCIATED WITH THE DISPUTED INFORMATION. THIS INFORMATION IS OFTEN OBTAINED FROM A MEDIUM ( IE. PAPER RECORDS OR COMPUTER DATABASE ) PRESCRIBED BY THE SOURCE OF THE INFORMATION ( IE. COURTHOUSE OR OTHER GOVERNMENT ENTITY ). EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. AS APPROPRIATE, EQUIFAX THEN MAKES DELETIONS OR CHANGES TO YOUR CREDIT FILE. THE NAME, ADDRESS AND, IF REASONABLY AVAILABLE, THE TELEPHONE NUMBER OF THE FURNISHER ( S ) /SOURCE ( S ) OF THE INFORMATION CONTACTED WHILE PROCESSING YOUR DISPUTE ( S ) IS SHOWN UNDER THE RESULTS OF YOUR INVESTIGATION SECTION ON THE COVER LETTER THAT ACCOMPANIES THE COPY OF YOUR REVISED CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.those creditors and you did not supply me with documentation that verifies that these accounts are mine. these accounts need to be removed as i requested because they are not mine. I am requesting whatever documentation was used to verify these accounts belong to me

Company response to consumer: Closed with explanation