Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Subject : Formal Dispute Unauthorized Accounts Reporting on My Equifax Credit Report Dear Equifax Dispute Department, I am formally disputing the reporting of the following accounts on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me. I am a third-generation XXXX XXXX XXXX and it appears that Equifax has incorrectly associated my fathers or grandfathers credit accounts with my credit profile. This is a clear case of mixed file reporting, which is a violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Since these accounts are not mine, I demand their immediate and permanent removal from my Equifax credit report. 
Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement Credit reporting agencies must implement reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. Equifaxs failure to distinguish between my credit file and those of my relatives constitutes a gross violation of this requirement.

2. Violation of 15 U.S.C. 1681i Reinvestigation of Disputed Information The FCRA requires Equifax to conduct a reasonable reinvestigation within 30 days when a consumer disputes inaccurate information. Since I have no legal connection to these accounts, Equifax must immediately delete them from my credit file.

3. Violation of 15 U.S.C. 1681b ( a ) Permissible Purpose Requirement Equifax may only report information that is properly associated with a consumer and legally obtained. Since these accounts do not belong to me, Equifax has no permissible purpose to report them under my credit profile.

4. Violation of 31 U.S.C. 5118 Legal Tender Laws and Debt Validation Under this statute, no creditor can impose an obligation on a consumer without proper legal validation. If XXXX XXXX XXXX XXXX XXXX can not provide original signed contracts proving that I am the rightful debtor, these accounts must be permanently deleted. 
Demand for Resolution To resolve this matter lawfully and fairly, I request the following actions : Immediate deletion of the XXXX XXXX XXXX XXXX XXXX accounts from my Equifax credit report. 
A written confirmation from Equifax stating that these accounts have been permanently removed. 
A detailed explanation of Equifaxs reinvestigation process, including the method used to verify these accounts. 
If Equifax fails to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office. Additionally, I am prepared to pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with federal law. 
Please provide a written response confirming your resolution within 30 days, as required by law. I have enclosed copies of my identification and supporting documentation to facilitate your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief