Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
Subject : FORMAL DISPUTE FRAUDULENT ACCOUNT ( IDENTITY THEFT ) To Whom It May Concern, I am writing to formally dispute an unauthorized and fraudulent account that has been reported on my credit file. I recently reviewed my credit report and discovered that XXXX XXXX XXXX  has reported a debt allegedly purchased from XXXXXXXX XXXX which I have never opened, authorized, or agreed to. This account is a clear case of identity theft. 

As a victim of identity theft, I have already taken the necessary steps, including filing a report with the Federal Trade Commission ( FTC ). Enclosed, you will find a copy of my FTC Identity Theft Report ( Identity Theft Affidavit ), along with other supporting documents proving that this account does not belong to me. 

DEMAND FOR IMMEDIATE ACTION : 1. REMOVE the fraudulent account from my credit file immediately under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

2. CEASE reporting this fraudulent account to any and all third parties.

3. Conduct an immediate investigation and provide me with a written response confirming the deletion of this unauthorized account from my credit report.

4. Provide documentation showing how this account was opened in my name, including any signed agreements, account application, or verification process allegedly conducted.

Failure to remove this fraudulent account will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, and pursue legal action against your organization for violations of the FCRA. 

I expect a written response within 15 days, as required by law. Please send all correspondence regarding this matter to the address listed above. 

Subject : Formal Complaint Against XXXX XXXX for Inaccurate Credit Reporting To Whom It May Concern, I am filing this formal complaint against XXXX XXXX  for inaccurate and unfair credit reporting that is severely damaging my credit score. Despite my previous attempts to dispute this matter with both XXXX XXXX and the credit bureaus, the issue remains unresolved. 

Details of the Complaint : XXXX XXXX continues to report late payments on an account that has been closed. 
This negative reporting is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate credit information. 
I have attempted to resolve this matter by disputing the inaccurate information with the credit bureaus and contacting XXXX XXXX directly, but my dispute was either ignored or denied without proper investigation. 

Requested Resolution : I am requesting that XXXX XXXX : XXXX. Immediately remove the inaccurate late payments from my credit report. 
2. Correct their reporting practices and ensure they do not continue to report misleading information. 
3. Provide documentation verifying the accuracy of the reported late payments.

This matter has caused significant damage to my creditworthiness, affecting my ability to obtain financial opportunities. If this issue is not resolved promptly, I will be left with no choice but to escalate the matter further, including seeking legal action for noncompliance with the FCRA. 

I have attached supporting documents, including a copy of my credit report highlighting the disputed information and records of my previous dispute attempts. I expect a response within the CFPBs complaint resolution timeframe. 

Thank you for your time and attention to this urgent matter. Please confirm receipt of my complaint and provide an update on the steps being taken to correct this issue.

Company response to consumer: Closed with non-monetary relief