Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, and I am requesting its immediate removal as required under XXXX XXXX. XXXX Legal Violations Violation of XXXX XXXX. XXXX Reporting Without My Consent The FCRA explicitly states that consumer reports can only be furnished for permissible purposes with the consumers express written consent I never provided any consent for this account to be reported on my credit file Since my authorization was never obtained, the reporting of this account is an unjustified violation of my rights under the FCRA Violation of XXXX XXXX. XXXX Unauthorized Information Must Be Blocked This section mandates that once a Federal Trade Commission XXXX FTC ) Identity Theft Report is submitted, the credit bureau XXXX XXXX the disputed information within XXXX ( XXXX ) business days of receiving the report The account in question was reported without my authorization, making it improper and unauthorized under the law and requiring immediate removal Unauthorized Information to Be Removed The following information has been reported on my credit file without my authorization and must be blocked and permanently removed immediately XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX, I am exercising my legal right to request that this unauthorized information be blocked immediately from my credit report. The FCRA requires that this information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report Lack of Response and Harm Caused I have made multiple attempts to resolve this issue with the credit bureau, but my efforts have been ignored This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities The accounts in question have already been removed by other credit bureaus, yet they remain in my file with your bureau, raising concerns about compliance with FCRA guidelines I have previously requested contracts or documentation proving that I provided consent for this reporting, yet after more than XXXX  days, I have received no response Requested Actions Immediate blocking and removal of the unauthorized account from my credit report Written confirmation that the disputed information has been deleted Assurance that this information will not be reinserted into my credit report in the future I have attached a copy of my report filed with the Federal Trade Commission ( FTC ), in which I report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX )

Company response to consumer: Closed with non-monetary relief