Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX Formal Identity Theft Dispute Under FCRA 605B Unauthorized Accounts and Privacy Violations To Whom It May Concern : This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B ( 15 U.S.C. 1681c-2 ), regarding fraudulent and unauthorized information being reported on my credit file.

The information being reported by your agency includes accounts and/or inquiries that I did not authorize, initiate, or open. I never provided consent for these institutions to access, share, or report my personal information.

Under federal law, including the FCRA, consumers have the right to block and remove any information resulting from identity theft or unauthorized activity. I am hereby requesting that the accounts listed below be blocked and permanently deleted from my credit profile.

Enclosed is a copy of my official Identity Theft Report filed with the Federal Trade Commission ( FTC Report Number : [ XXXX ], along with proper identification to support my claim.

Please be advised that the continued reporting of these accounts without my consent constitutes a violation of federal law, and I reserve the right to pursue further legal action if this matter is not resolved within the timeframe mandated by the FCRA ( within four business days upon receipt of this dispute ).

The following accounts and/or inquiries are fraudulent and unauthorized : FRAUDULENT ACCOUNTS TO BE REMOVED : 1. [ XXXX ] - [ account # XXXX ] [ open day XX/XX/XXXX ] ( IMMEDIATELY DELETE FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Automobile Dealers , Used XX/XX/XXXX XXXX  XXXX XXXX Automobile Dealers , New XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX Automotive XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX # Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks  and XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX  All Banks - non specific XX/XX/XXXX XXXX XXXX  All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers , Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Credit Card Cos. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks - non specific XX/XX/XXXX XXXX XXXX Personal services other than medical XX/XX/XXXXXXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXXXXXX XXXX All Banks XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Sporting goods XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX National Credit Card CosXXXX XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation