Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Victim of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 604, 609, 611 ; 15 USC 1681 ( s ) -2 ; 15 USC 1681e ( b ) ; 15 USC 1681i ( 5 ) ( a ) ; 15 USC 1681i ( 7 ) ; 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXX, a Florida Consumer, has been impacted by Equifax Inc and XXXX XXXX XXXX XXXX data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All of the erroneous derogatory information listed below were without my authorization, consent, or signature, either electronic or wet-ink and is erroneous, inaccurate.

b. The data breaches exposed my Social Security number, Birthdate, Banking Information and Credit Card Information, enabling repeated fraudulent activity and causing significant harm to my credit files.

I write as a documented victim of identity theft arising from both the data breaches. Your agency continues to furnish and report demonstrably fraudulent trades lines. Without my authorization, the following fraudulently information is on my credit file. I have never provided any permission for access to my credit files, nor applied for these loans and for accounts to be established in my name. Equifax Inc is illegally reporting these INACCURATE UNVERIFIED accounts : FRAUDULENT ACCOUNT INFORMATION XXXX. XXXX XXXXXXXX XXXX : Bal {$0.00} : Opened : XX/XX/year> Account lacks permissible purpose and wet-ink signature authorization. 


VIOLATION 1 : 15 U.S.C. 1681e ( b ) : REASONABLE PROCEDURES Equifax Inc FAILED to maintain reasonable procedures by : a ) Reporting accounts WITHOUT any supporting documentation b ) Continuing to report DISPUTED information without verification c ) Using AUTOMATED systems without human oversight d ) IGNORING obvious data integrity failures VIOLATION 2 : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES Equifax Inc dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law I further assert that Equifax Inc has failed to provide an effective investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

FAIR CREDIT REPORTING ACT ( FCRA ) VIOLATIONS 15 U.S.C. 1681e ( b ) : Reasonable Procedures : Equifax Inc failed to follow reasonable procedures to assure maximum possible accuracy of consumer information by reporting unverified debt information, failing to conduct adequate investigation of consumer disputes, and continuing to report disputed information without proper verification.

15 U.S.C. 1681i : Dispute Procedures : Equifax Inc violated dispute investigation requirements by failing to conduct reasonable investigation of disputed items, providing inadequate responses to legitimate consumer disputes and reporting information as verified without obtaining proper documentation from furnisher 15 U.S.C. 1681s-2 ( b ) : Duties Upon Receiving Notice of Dispute : Equifax Inc failed to properly investigate disputes and remove unverifiable information

Company response to consumer: Closed with explanation