Consumer complaint received 2025-02-20 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: MS

Complaint narrative:
Attn : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Dob : XXXX XXXX, XXXX Sos : XXXX Subject : Fraudulent Accounts and Request for Removal. 

FTC Complaint Dear Equifax, My name is XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Social Security : XXXX ), and I have been a victim of identity theft. Despite reaching out to this credit bureau, fraudulent information continues to appear on my credit report, which has severely impacted my credit score.This situation has resulted in the denial of a home loan. I have also filed a new FTC complaint and request your immediate attention to this matter. 

Statement of Involvement : I, XXXX XXXX, confirm that I am submitting this request independently and without the assistance of any third party. Further damaging my credit score by XXXX points instead of reflecting a XXXX increase. 



Fraudulent Accounts to be Removed : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$330.00} XXXX XXXX. XXXX xxxxx XXXX XXXX {$1000.00} XXXX XXXX. XXXX XXXX xxxxx XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX MS XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$520.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Address Removal : Please Remove AddressXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX Here are five notable lawsuits that Equifax lost or settled due to improper credit reporting : 1. Federal Trade Commission ( FTC ) Settlement ( XXXX ) - Case : After the massive data breach in XXXX, Equifax was sued for failing to protect the personal data of approximately XXXX XXXX consumers. 
- Outcome : Equifax agreed to pay up to {$700.00} XXXX in settlements, including {$420.00} XXXX to directly help those affected by the breach. The settlement was overseen by the FTC, the Consumer Financial Protection Bureau ( CFPB ), and state attorneys general. 

XXXX. XXXX XXXX XXXX Equifax ( XXXX ) - Case : A California man, XXXX XXXX, sued Equifax for improperly reporting debts that he had already paid off, causing him financial harm. 
- Outcome : Equifax was ordered to pay {$18.00} XXXX to XXXX, including both compensatory and punitive damages. This case highlighted systemic problems in Equifax 's handling of consumer disputes over erroneous credit reporting. 

XXXX. XXXX XXXX XXXX and Equifax ( XXXX ) - Case : XXXX XXXX filed a class-action lawsuit against both Equifax and XXXX for inaccurate credit reporting, specifically flagging him as a match to individuals on a government watchlist. 
- Outcome : The case went to the Supreme Court in XXXX, where XXXX was held liable for damages. While Equifax settled its portion earlier, it highlighted issues with flagging consumers incorrectly. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX  ( XXXX ) - Case : Equifax, along with other credit reporting agencies, was sued for inaccurate reporting that affected mortgage applicants, contributing to the XXXX financial crisis. 
- Outcome : Equifax settled with the XXXX for an undisclosed amount, agreeing to make improvements to their reporting systems to ensure greater accuracy and reliability for consumers seeking home loans. 

5. XXXX XXXX v. Equifax ( XXXX ) - Case : XXXX XXXX sued Equifax for failing to remove inaccurate information from his credit report after numerous attempts to correct it. The erroneous information caused financial difficulties for XXXX. 
- Outcome : The jury awarded XXXX {$3.00} XXXX in punitive damages, recognizing Equifax 's mishandling of the dispute process and improper reporting practices. 

These cases demonstrate ongoing issues with Equifax 's credit reporting accuracy and data handling, resulting in various legal challenges and significant financial penalties. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX ( Enclosures : Social, ID, FTC Identity Theft Report )

Company response to consumer: Closed with non-monetary relief