Consumer complaint received 2025-12-26 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: MO

Complaint narrative:
I am submitting this complaint to formally document a pattern of inaccurate credit reporting, procedural barriers, and unresolved disputes involving multiple financial institutions and collection agencies. I am a victim of identity theft, and I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). Despite providing notice and disputing these accounts in good faith, several companies have either failed to respond, improperly closed my cases, or prevented me from submitting rebuttals or new disputes. 

The accounts and companies described below do not belong to me, were not opened or authorized by me, and continue to cause ongoing harm to my credit profile. 

XXXX XXXX Case Filed XX/XX/year> On XX/XX/year>, I filed a case with XXXX XXXX after being informed that I allegedly had XXXX loans with their company. I do not recognize these loans, did not apply for them, and did not authorize any financing through XXXX XXXX. 

I immediately disputed these accounts and informed XXXX XXXX that I am a victim of identity theft. I also disclosed that I had filed an FTC Identity Theft Report. Despite this, XXXX XXXX did not provide clear, independent proof that I opened or authorized these loans. 

More concerning, after the initial case was closed, XXXX XXXX did not allow me to create a new case or submit a rebuttal. The system effectively blocked further dispute attempts, preventing me from responding to their claims or challenging the outcome. This procedural barrier left me without a meaningful opportunity to contest the alleged debts. 

As a consumer, I should not be denied the ability to rebut or submit a follow-up dispute, especially when the underlying issue is identity theft and the accuracy of the account remains unresolved. 

XXXX XXXX Case Filed XX/XX/year> On XX/XX/year>, I also filed a case with XXXX XXXX regarding an account they were reporting or attempting to collect. This account is not mine, and I never authorized XXXX XXXX or any original creditor they claim to represent. 

I informed XXXX XXXX that I am a victim of identity theft and that I had filed an FTC Identity Theft Report. However, after submitting my dispute, XXXX XXXX did not allow me to create a new case or submit a rebuttal once the initial case was closed. 

This lack of access to rebuttal is especially troubling because it prevents consumers from correcting inaccurate information or responding to incomplete or misleading explanations. Blocking the ability to submit follow-up disputes effectively silences the consumer and allows inaccurate data to persist. 

XXXX XXXX Case Filed XX/XX/year> ( No Response ) On XX/XX/year>, I filed a dispute with XXXX XXXX regarding an account that appears on my credit report and does not belong to me. I did not open, authorize, or benefit from this account. 

Despite filing the dispute and waiting a reasonable amount of time, I have not received any response from XXXX XXXX. There has been no acknowledgment, no request for clarification, and no resolution provided. 

The lack of response leaves me uncertain whether XXXX XXXX conducted any investigation at all. Continued silence while inaccurate information remains on my credit report causes ongoing harm and uncertainty. 

XXXX XXXX Account Not Mine In addition to the companies above, XXXX XXXX has reported or attempted to collect an account that is not mine. I did not open this account, did not authorize it, and do not recognize the alleged debt. 

This account is another example of fraudulent activity associated with my identity. I have consistently stated that I am a victim of identity theft and have documented this through the FTC Identity Theft Report. 

XXXX  Account Not Mine Similarly, XXXX has reported or been associated with an account that does not belong to me. I have no contractual relationship with XXXX, did not authorize any account, and did not receive any benefit from the alleged obligation. 

This further demonstrates a pattern of identity theft affecting my credit file, rather than isolated or accidental reporting errors. 

Identity Theft and FTC Report I want to be clear : these issues are not the result of payment disputes or misunderstandings. They stem from identity theft. 

I have taken the appropriate steps to protect myself by filing an Identity Theft Report with the Federal Trade Commission ( FTC ). This report establishes, under federal law, that I am disputing these accounts as fraudulent and not mine. 

Despite this, several companies have : Failed to properly investigate Relied on internal records without independent verification Closed cases without resolution Prevented me from submitting rebuttals or new disputes Failed to respond at all Procedural Barriers and Consumer Harm One of the most troubling aspects of this situation is the systematic denial of access to rebuttal and follow-up disputes. When a company closes a case but blocks the consumer from submitting additional information or challenging the outcome, the dispute process becomes meaningless. 

As a consumer and identity theft victim, I should not be required to accept a one-sided decision without the ability to respond. These barriers effectively allow inaccurate information to remain on my credit report by default. 

Ongoing Harm The continued reporting of these fraudulent accounts has caused : Damage to my credit scores Increased financial stress Time-consuming administrative burdens Emotional distress from repeatedly having to defend myself against debts I do not owe Each unresolved account compounds the harm and makes it more difficult for me to move forward financially. 

Why I Am Filing This Complaint I am filing this complaint because : I acted promptly and in good faith I filed disputes as soon as I became aware of the accounts I disclosed identity theft and filed an FTC report I attempted to rebut company responses when allowed I was blocked from rebutting or ignored altogether At this point, informal dispute channels have failed, leaving regulatory review as the only remaining option. 

Conclusion In summary : XXXX XXXX : Filed case on XX/XX/year> regarding XXXX loans I do not recognize ; blocked from creating a new case or rebuttal XXXX XXXX : Filed case on XX/XX/year> ; blocked from creating a new case or rebuttal XXXX XXXX : Filed case on XX/XX/year> ; no response received XXXX XXXX : Account not mine XXXX : Account not mine I am a victim of identity theft, and I have filed an FTC Identity Theft Report. These accounts do not belong to me and should not continue to be associated with my credit profile. 

I am requesting regulatory assistance to ensure that these companies properly investigate, stop reporting inaccurate information, and allow fair access to dispute and rebuttal processes.

Company response to consumer: Closed with explanation