Consumer complaint received 2026-04-19 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: GA

Complaint narrative:
I am submitting this complaint as a follow-up regarding multiple fraudulent accounts being reported on my credit file. I have submitted several disputes over the past few months along with a valid identity theft report, proof of identity, and proof of address. Despite this, these accounts continue to be reported without proper verification. Recent dispute results have shown inconsistent outcomes across credit reporting agencies. Equifax stated that I disputed an auto loan account that has been removed or is no longer reporting, while other similar accounts continue to be reported, even though I disputed the XXXX XXXX Account DIRECTLY first. This inconsistency raises serious concerns regarding the accuracy and reliability of the information being reported. If one account can not be verified and is removed, then similar accounts from the same time period and circumstances must also be properly verified or removed. To date, no signed agreements, applications, or identity verification documents have been provided linking me to these accounts. The continued reporting of these accounts without documented proof of ownership is inaccurate and harmful. This is not an initial dispute. This reflects a pattern of failure to properly investigate and ensure accurate reporting. I am requesting immediate deletion and blocking of all remaining fraudulent accounts. If any account is believed to be valid, I am requesting full documented proof that I am legally responsible for it. If such documentation can not be provided, these accounts must be removed immediately. I am requesting a full reinvestigation of the XXXX XXXX account currently being reported on my Equifax credit file. Due to identity theft and the presence of inaccurate personal information, including addresses that do not belong to me, I do not have confidence in the accuracy of the accounts being reported. I have already submitted an identity theft report along with proof of identity and address. Despite this, the account continues to be reported without proper verification. For the XXXX XXXX account that Equifax continues to report, I am requesting documented proof of ownership, including but not limited to : - Original signed application or contract - Identity verification used at the time of account opening - Documentation showing that I authorized or benefited from the account This account can not be verified with sufficient documentation and must be removed from my credit file. I did not open, authorize, or benefit from these accounts in any way. I have no knowledge of them. I previously submitted an identity theft report along with proof of identity and address. Despite this, Equifax continues to report this account and has refused to properly block or remove them. To date, no documentation has been provided showing that I opened or authorized any of these accounts. No signed applications, contracts, or identity verification documents have been produced. Additionally, this account is associated with personal information that does not belong to me, including addresses that I have never lived at. This is not an initial dispute. I have made multiple attempts over several months to resolve this matter and have provided all required documentation. The continued reporting of these accounts without proper verification is inaccurate and harmful.

Company response to consumer: Closed with explanation