Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to report a series of unauthorized accounts and credit inquiries that have appeared on my credit report, and the lack of appropriate action by Equifax to resolve these issues. Despite my previous attempts to address the situation directly with Equifax, I have not received adequate resolution or support. I am now seeking your assistance in rectifying the following matters : Fraudulent Accounts : XXXX XXXX Account Number : XXXX Fraudulent Amount : {$460.00} Date Discovered : [ Date of XXXX ] Issue : This account was opened without my consent and is related to check fraud. 
XXXX XXXX Account Number : XXXX Fraudulent Amount : {$7700.00} Date Discovered : [ Date of XXXX ] Issue : Another fraudulent account opened under my name without authorization, also related to check fraud. 
XXXX Bank XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : [ Fraudulent Amount ] Date Discovered : [ Date of XXXX ] Issue : An unauthorized account under my name with a significant fraudulent balance. 
I have submitted all necessary documentation, including a police report, to Equifax, declaring myself a victim of identity theft under 18 U.S.C. 1028A. Despite this, these fraudulent accounts remain on my credit report. I demand immediate removal of these accounts from my credit file. 

Unauthorized Credit Inquiries : Additionally, I have noticed multiple unauthorized credit inquiries that were made without my consent, further damaging my credit score. The following inquiries have appeared on my report : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my consent and do not reflect any legitimate requests from me. I request that Equifax immediately investigate and remove these unauthorized inquiries from my credit report. 

Equifax 's XXXX and XXXX of XXXX : Despite my repeated attempts to resolve these issues directly with Equifax, I have not received a satisfactory response. Specifically : XXXX Accounts : Equifax has failed to take appropriate action to remove the fraudulent accounts, even after providing a police report and declaring myself a victim of identity theft. 

Unauthorized Inquiries : Equifax has not removed the unauthorized credit inquiries despite clear evidence that they were not authorized by me. 

Failure to Follow Legal Requirements : Equifax has failed to comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information in consumer reports. 

Due to these failures, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these issues are addressed promptly and that my rights under the FCRA are upheld. 

Immediate Actions Requested : The removal of all fraudulent accounts, including those from XXXX XXXX and XXXX Bank XXXX, from my credit report. 
The removal of all unauthorized credit inquiries listed above. 
A full investigation into how these fraudulent activities were able to appear on my credit report without my consent. 
A detailed response from Equifax regarding what actions have been taken to resolve these issues and prevent future occurrences. 
If this matter is not resolved promptly, I will be forced to pursue further legal action, including filing a claim with small claims court. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and swift resolution of these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief