Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Date : XXXX XXXX XXXX  To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Unauthorized XXXX  Loan Accounts Reporting on My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the reporting of multiple XXXX loan accounts currently listed under the names DPT ED/XXXX  DEP EDXXXX XXXX XXXX, and XXXX XXXX my Equifax credit report. I never authorized these loans to be reported, nor did I give any lender permission to furnish this information to Equifax. 
These accounts were reported without my knowledge or consent. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that they be permanently deleted from my credit file. Below is the list of disputed XXXX  loan accounts : Disputed XXXX Loan Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Legal Grounds for Deletion and Blocking : 15 U.S.C. 1681b Permissible Purpose : Consumer report information must only be furnished for a legally authorized purpose. These XXXX  loans were reported without my consent.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : Equifax is obligated to report only accurate and authorized data. Unauthorized loans misrepresent my credit history.

15 U.S.C. 1681i Reinvestigation Requirements : Upon dispute, Equifax must investigate and delete any inaccurate or unverifiable information within 30 days.

15 U.S.C. 1681c-2 Blocking of Identity Theft Information : If these loans were a result of identity theft, they must be permanently blocked from my credit report once proper documentation is submitted.

My Formal Requests : Immediately and permanently delete all of the XXXX loan accounts listed above from my Equifax credit file.

Block future reinsertion of these accounts unless legally permissible and fully verified with documented authorization, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the results of your reinvestigation and the action taken.

Ensure full FCRA compliance with all applicable laws and consumer rights provisions.

Failure to take appropriate corrective action may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other regulatory agencies, along with pursuit of legal remedies under 15 U.S.C. 1681n & 1681o.

Thank you for your prompt attention to this matter. I expect a complete and lawful response within 30 days as provided under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation