Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I recently reviewed my credit report and found several items that deeply concern me. There are multiple accounts reporting ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I never authorized. I did not open these accounts, did not grant permission for them to be reported, and never consented to have them appear in my credit file. 

Additionally, several hard inquiries appeared on my Equifax report that I also did not authorize : 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 

At no point did I give written, electronic, or verbal consent for these credit pulls or account openings. Their appearance on my file is unlawful and has caused serious damage to my credit reputation and financial stability. 

I have provided Police Report XXXX, which documents this as an identity-related and unauthorized credit issue. Under federal law, these items must be blocked and deleted within four ( 4 ) business days when such documentation is provided yet Equifax continues to report them. 

LEGAL VIOLATIONS : I have researched my rights under the Fair Credit Reporting Act ( FCRA ), and Equifax is in direct violation of several sections of this law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : This law strictly prohibits access or reporting of a consumers credit file without a legitimate, documented permissible purpose. These accounts and inquiries were included in my file without my consent or any valid purpose, constituting an unauthorized disclosure of my non-public personal information and a direct violation of Section 604. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking of Disputed Information : Once a consumer provides a valid police report or identity theft documentation, the credit bureau must block and delete the disputed information within four ( 4 ) business days. I submitted Police Report XXXX, yet Equifax has failed to comply, allowing the continued publication of inaccurate and unauthorized data in violation of this section. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Equifax is required to maintain procedures to ensure maximum possible accuracy of all data reported. Reporting accounts and inquiries I never authorized violates this requirement and has materially distorted my credit profile, damaging my credibility and financial opportunities.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate : Upon receiving a dispute, a consumer reporting agency must conduct a reasonable reinvestigation and delete any information that can not be verified through legitimate documentation. There is no written proof or signed authorization supporting these accounts or inquiries, therefore Equifax must delete them immediately as required by law.

FCRA Section 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion : If Equifax deletes these accounts and later attempts to reinsert them, federal law imposes strict conditions : The furnisher must provide written certification verifying the informations accuracy and legitimacy.

Equifax must notify me in writing within five ( 5 ) business days of any reinsertion. 

There must be documentary evidence that I authorized the account. 

Any reinsertion that does not comply with these three conditions constitutes a willful violation under 15 U.S.C. 1681n, subjecting the bureau to statutory damages.

Metro 2 Compliance Standards ( CDIA ) : Equifax is required to follow the Metro 2 data reporting format, which mandates that all furnished information be complete, accurate, consistent, and current. The accounts and inquiries in question fail to meet these standards because : They are inaccurate ( I never authorized them ). 

The inquiries lack a valid permissible purpose.

There is no documentation supporting their inclusion.

Under both the FCRA and Metro 2, this information is fundamentally incorrect and must be removed. 

PERSONAL IMPACT : This situation has created real and measurable harm in my daily life : These unauthorized accounts have lowered my credit score, directly leading to credit denials. 

I was denied a mortgage, with the lender citing these accounts as the reason. 

I managed to obtain vehicle financing, but at much higher interest rates, causing me to overpay every month for a loan I would otherwise qualify for at better terms. 

I was denied a credit card I legitimately applied for, and every subsequent inquiry continues to lower my score further. 

I have lost time and opportunities dealing with the fallout countless hours of calls, document preparation, and legal research to fix a problem that should never have existed. 

My financial plans have been delayed, and I have experienced ongoing stress, anxiety, and financial pressure due to Equifaxs failure to uphold its legal obligations. 

This is not a minor error or clerical issue it has directly impacted my ability to live a normal financial life, secure fair credit, and maintain stability.

Company response to consumer: Closed with explanation