Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
CFPB CONSUMER COMPLAINT IDENTITY THEFT & UNLAWFUL CREDIT REPORTING Consumer Information Name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX, GA XXXX Phone : XXXX Email : XXXX Companies Being Complained About XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( and any other furnisher reporting these same fraudulent accounts ) Nature of Complaint Identity Theft Inaccurate Credit Reporting Failure to Block Fraudulent Accounts Violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and FTC Identity Theft Rules Complaint Narrative I have submitted an official FTC Identity Theft Affidavit under penalty of perjury, FTC Report Number XXXX, dated XX/XX/2025. A copy of this affidavit is attached. 

XXXX XXXX FTC AFFIDAVIT I did not open, authorize, contract, or receive benefit from any of the accounts being reported by the above companies. These accounts are the result of fraud and identity theft and do not belong to me. 

Despite having formal notice of identity theft, these companies and the credit reporting agencies have continued to report fraudulent, false, and misleading information, causing serious financial, emotional, and reputational harm to me.

Pursuant to 15 U.S.C. 1681c-2 ( a ), once an identity theft report is submitted, credit reporting agencies and furnishers are required to BLOCK the reporting of fraudulent information within FOUR ( 4 ) BUSINESS DAYS. Continued reporting after receipt of an FTC Identity Theft Report is willful non-compliance.

Fraudulent Accounts Identified in FTC Affidavit ( Page 12 of the attached FTC affidavit list the following companies as reporting fraudulent accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) All of these accounts are confirmed as fraudulent identity theft accounts under sworn federal affidavit. 

XXXX XXXX FTC AFFIDAVIT Federal Law Violations The continued reporting and collection of these identity-theft accounts violates : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ) Mandatory identity-theft BLOCKING within 4 business days 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishers may not report inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures for maximum accuracy 15 U.S.C. 1681n & 1681o Civil liability for willful and negligent non-compliance 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e False, deceptive, or misleading representation 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c ( a ) ( 2 ) Unlawful communication after knowing no valid debt exists 3. Federal Trade Commission Identity Theft Rules Continued reporting after an FTC Identity Theft Report constitutes unlawful consumer reporting and collection activity.

Harm Caused Credit score damage Denial of credit opportunities Emotional distress Financial hardship Time lost correcting fraudulent activity Formal Demand for Resolution I formally demand that : ALL fraudulent accounts listed in my FTC Identity Theft Affidavit be permanently DELETED from all credit reports immediately.

Furnishers CEASE AND DESIST from reporting, collecting, transferring, or selling these fraudulent accounts.

Written confirmation of deletion be provided within FOUR ( 4 ) BUSINESS DAYS as required by 15 U.S.C. 1681c-2.

Any reinsertion without proper certification be barred permanently.

Any further reporting will be treated as WILLFUL NON-COMPLIANCE subject to civil damages.

Requested CFPB Action I request that the CFPB : Conduct a formal investigation into each company named Issue regulatory enforcement and corrective action orders Require permanent deletion of all identity-theft accounts Impose civil penalties where applicable Certification All statements in this complaint are true and correct under penalty of perjury, supported by my officially filed FTC Identity Theft Report. 


Attachments Included FTC Identity Theft Affidavit XXXX XXXX FTC Report # XXXX XXXX XXXX FTC AFFIDAVIT

Company response to consumer: Closed with non-monetary relief