Consumer complaint received 2025-06-09 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:
I am submitting this complaint to formally dispute inaccurate and fraudulent information that continues to appear on my Equifax credit report ( Report Date : XX/XX/XXXX ). This inaccurate information is a direct result of identity theft, which I have previously reported to the Federal Trade Commission ( FTC Report Number : XXXX ). I have filed two previous complaints with the CFPB regarding these issues with Equifax ( XXXX # XXXX, submitted XX/XX/XXXX ; and XXXX # XXXX, submitted XX/XX/XXXX ). Despite Equifax 's investigations and some removals, the following unauthorized and fraudulent accounts with derogatory or delinquent statuses persist on my credit report, severely impacting my credit score and financial standing. As a victim of identity theft, I am exercising my rights under Florida Statute 817.535, specifically subsection ( 4 ) ( b ), which states : " Upon the request of an identity theft victim, a consumer reporting agency must block the reporting of any information that the victim alleges appears on his or her consumer report as a result of a violation of s. 817.568, Florida Statutes, by filing an identity theft report with a law enforcement agency and providing the consumer reporting agency with a copy of the report. '' The specific fraudulent accounts still appearing on my Equifax credit report are as follows : XXXX XXXX : This account ( from the previous complaint submitted XX/XX/XXXX, Case # XXXX ) was reported on XX/XX/XXXX, and opened on XX/XX/XXXX. It is a closed Charge Account with a {$0.00} balance, and its current payment status is " Charge-off ''. The worst payment status reported is also " Charge-off ''. Equifax 's response on XX/XX/XXXX, and XX/XX/XXXX, explicitly stated that this item was " VERIFIED THAT THIS ITEM BELONGS TO YOU ''. Remarks include " Charged off account, '' " Profit and loss write-off, '' and " Purchased by another lender ''. This account is unauthorized and is a direct result of identity theft. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : This collection account ( from the previous complaint submitted XX/XX/XXXX, Case # XXXX ) was reported on XX/XX/XXXX. It shows a balance of {$2200.00} and is marked " Needs Attention ''. It is classified as a " XXXX, XXXX account ''. Equifax 's response on XX/XX/XXXX, stated this item was " VERIFIED THAT THIS ITEM BELONGS TO YOU '' with modified fields. Remarks include " Consumer disputes this account information '' and " Placed for collection ''. This account is unauthorized and is a direct result of identity theft. 

I have submitted an Identity Theft Report to the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of this crime. Under Florida Statute XXXX ( Florida Identity Theft Victim Kit ), specifically subsection ( 5 ) ( c ), " If a consumer reporting agency receives an identity theft report, it must promptly provide the identity theft victim with a written confirmation that the fraudulent information has been removed from the victims consumer report. ''

Company response to consumer: Closed with explanation