Consumer complaint received 2025-09-08 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: DE

Complaint narrative:
I recently reviewed a copy of my consumer report and I noticed a lot of fraudulent activity. Upon further review it was found that my personal information along with millions of other consumers were exposed in multiple major data breaches. Timeline of Breaches & Discovery of Fraudulent Accounts XXXX Equifax announced a major data breach exposing millions of peoples personal information, including mine. 
XXXX XXXX confirmed another breach where my private data was leaked again. 
XXXX XXXX  also experienced a breach affecting consumers, including me. 
More recently as the current year XXXX, I have been receiving fraud alerts from XXXX Bank notifying me about unauthorized purchases/transactions being attempted. This timeline shows a clear link between the breaches and the fraudulent accounts now attached to my credit file.In addition to the fraudulent activity there are accounts on my credit report being reported as collections and or a charge offs every single month for an extended period of time .This kind of reporting goes against metro 2 credit reporting guidelines and the fair credit reporting act. It also doesnt follow what the CFPB says is fair and accurate reporting.These accounts have been repeatedly charged off every month. Any changes after 180 charge off days is inaccurate .This is an update in the payment history!!! A charged off account should NOT include an active payment history!!! This inaccurate information falsely manipulates the statute of limitations. 
In addition they are in violation of FCRA ( 609, 611, 623 ) Inconsistent balances & reporting dates. 
Duplicate collections under multiple names. 
No itemized validation for medical debts. 
Some furnishers failed to mark disputes properly. 
FDCPA ( 807, 809 ) Collectors pursuing debts without proof. 
Potential re-aging of debts by XXXX, XXXX XXXX. 
Metro 2 / e-OSCAR Issues Duplicate medical debts. 
Inconsistent date opened vs last reported mismatches. 
Several furnishers not coding disputes properly. 
These alleged medical debts are fraudulent and in violation of Subpart B - Rules for Debt Collectors 6 ( b ) ( 4 ) ( 1 ) Directly to the debt collector-Section 1006. ( b ) ( 4 ) ( i ) requires the Prior Consent of the consumer to be giving directly to the debt collector .For example, a debt collector can not rely on the prior consent of the consumer given to a creditor or to a previous debt collector. A debt collector can not do what a creditor can not do. So if a medical facility doesnt report information to a consumer agency thats not described in section 606 ( p ) how can a debt collector? This information can only be furnished to the appropriate agency which would be a Nationwide specialty consumer reporting agency .According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I have disputed the accounts and requested a proper investigation to no avail. Then I followed up enforcing my right to request a reinvestigation. I havent received verification nor a 1099-C.It is obvious They failed to investigate these accounts properly and their neglect has violated my rights. Ive been dealing with accounts, debts, and credit inquiries that I know nothing about. 
This has caused me : Stress & Anxiety Constantly worrying about how this impacts my creditworthiness. 
Financial Harm My credit score has taken hits, and its affected my ability to apply for things in my own name.

Time & Energy Lost Ive spent countless hours disputing accounts, monitoring my credit, and trying to fix damage I didnt cause. 
I did not create these debts. I did not authorize these inquiries. Im simply asking to have my credit report reflect the truth accounts and inquiries that actually belong to me. 
Ive included my XXXX affidavit and supporting documents.

Company response to consumer: Closed with non-monetary relief