Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Product or service : Credit reporting or other personal consumer report Issue : Incorrect information on your report Sub-issue : Information belongs to someone else / Identity theft / Reinsertion without notice Company complained about : Equifax Information Services LLC Who are you complaining about? A credit reporting company Where did this happen? United States ( Georgia ) Short summary ( headline ) : Equifax : wrong auto loan tradeline, possible identity-theft/mixed file, reinsertion without 5-day notice, no permissible-purpose inquiry, and refusal to provide Method of Verification ( MOV ) What happened? ( Detailed narrative ) Background & harm I am filing a complaint against Equifax Information Services LLC for inaccurate and unverifiable reporting, likely due to identity-theft/mixed-file contamination, resulting in business-credit denials risk and impaired access to funding. I operate ( or am preparing ) a business and lenders also rely on specialty databases ; inaccurate consumer files harm underwriting decisions. 

1 ) Personal-information hygiene / mixed-file risk ( Metro 2 Code 112 ; FCRA 607 ( b ), 611 ).

I requested Equifax to keep only my correct legal name and current address, and to delete all other name/address/phone/employer variants causing mixed-file errors. I asked Equifax to suppress SSN/DOB from public display. These corrections were not properly implemented. 

2 ) Reinsertion without notice ( FCRA 611 ( a ) ( 5 ) ( B ) ).

Items previously deleted were reinserted on or about XX/XX/year>XXXX  without ( a ) furnisher certification or ( b ) written 5-day reinsertion notice. This violates 611 ( a ) ( 5 ) ( B ). I requested permanent deletion of any reinserted item lacking full compliance and proof of certification/notice. 

XXXX ) XXXX XXXX XXXX XXXX with late code, absent at XXXX ( FCRA XXXX ( b ), XXXX ; Metro 2 Code XXXX XXXX. 
Equifax alone reports a XXXX XXXX XXXX account ( Acct ending XXXXXXXX XXXX XXXX ) : Type : Installment/Auto ; Status : Open 30 Days Late Date Opened : XX/XX/year> ; Balance : {$100000.00} ; Term : 84 months Monthly Pay : {$1600.00} ; Last Reported : XX/XX/year>XXXX  XXXX  and XXXX  show no such account or inquiry. The delinquency appears without a complete payment chronology ( XXXX, DOFD ) and without a consistent month-to-month string, violating Metro 2 Code 162 and FCRA 607 ( b ) ( accuracy ). I demanded deletion or full verification under 611. 

4 ) No permissible-purpose inquiry ( FCRA 604 ; 607 ( b ) ; 611 ).

Equifaxs disclosure shows no hard or soft inquiry by XXXX XXXX ( or affiliate ) around the alleged opening ( XX/XX/year>XXXX  ). Reporting an auto loan without evidence of a permissible-purpose inquiry strongly indicates unlawful furnishing, mixed-file, or identity-theft. I requested Equifax to produce : A signed credit application or valid E-SIGN consent with timestamp/IP ( 15 U.S.C. 7001 ), The corresponding inquiry record/internal access log establishing permissible purpose, and A complete billing/payment ledger. 
If Equifax can not produce this, the tradeline and late markers must be deleted as unverifiable under 611 ( and blocked if ID-theft-linked under 605B ).

5 ) Identity-theft block & MOV ( FCRA 605B ; 611 ).

Given breach exposure and mixed-file indicators ( address/name variants ; bureau-only tradeline ; no inquiry trail ), I invoked 605B to block any item reasonably alleged to result from identity theft and demanded a Method of Verification ( MOV ) detailing furnisher name & member code, documents reviewed, and whether verification was manual or via e-OSCAR. 

6 ) Specialty databases that harm business lending ( XXXX ; XXXX ; XXXX ; XXXX ). 
I asked Equifax to confirm corrections and freezes/opt-outs where relevant, because lenders weigh these files. Any mismatched identifiers or unverifiable entries should be removed and MOV provided. 

XXXX ) Bankruptcy/vendor-scrape policy ( if applicable ). 
If any bankruptcy appears or is used in risk products, I requested the exact source ( XXXX/vendor ), case number, dates, and copies relied upon ; otherwise delete. 

Equifaxs non-compliance Equifax did not provide the required MOV, did not document a permissible-purpose inquiry, and failed to show a complete ledger supporting the late code on the alleged XXXX XXXX account. Equifax also failed to show reinsertion certification and 5-day notice. These failures violate FCRA 604, 607 ( b ), 611, 605B and Metro 2 standards ( 112, 162 ). 

Harm & requested relief The inaccurate Equifax file undermines my consumer standing and jeopardizes business-loan readiness ( e.g., XXXX/approvals, underwriting screens ), exposing me to higher costs and denials.

Company response to consumer: Closed with explanation