Consumer complaint received 2025-04-15 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:
E : FRAUDULENT ACCOUNTS & UNAUTHORIZED INQUIRIES REQUEST FOR IMMEDIATE DELETION UNDER FCRA 609 & 605B To Eqifax Consumer Relations, I am writing to formally dispute several inaccurate and unauthorized items appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit file. 
In or around XX/XX/XXXX, while applying for a mortgage to purchase my first home, I became aware of a fraudulent account and unauthorized credit inquiries reported across all three major credit bureaus under my name, XXXX XXXX, XXXX XXXX XXXX, GA XXXX These accounts do not belong to me, and I request an immediate investigation and removal in accordance with : 15 U.S.C. 1681g ( Right to disclosure of information ) 15 U.S.C. 1681c-2 ( Block of information resulting from identity theft ) Fraudulent Accounts to Be Investigated & Deleted : 1. DPT EDXXXX ( Student Loan Account ) Account Number : XXXX * * * * * * * * * * * * XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * Equifax Account XXXX : XXXX * * * * * * * * * * * * * * Balance : {$6100.00} Date Opened : XX/XX/XXXX XXXX. DPT EDXXXX ( Student Loan Account ) Account Number : XXXX * * * * * * * * * * * * XXXX  Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * Equifax Account XXXX : XXXX * * * * * * * * * * * * * * Balance : {$3500.00} Date Opened : XX/XX/XXXX XXXX Account Number : XXXX * Legal Basis for Deletion : Per 15 U.S.C.

1681g, I formally request full documentation verifying the accuracy and ownership of these accounts, including : Signed original loan or credit applications Any communication between me and the creditors Loan disbursement records or transaction history proving my authorization If you can not provide valid proof that I authorized or opened these accounts, you are legally required to block and delete them from my credit report immediately per 15 U.S.C. 1681c-2.This account was not opened by me and represent clear cases of identity theft : Fraudulent Account XXXX ) XXXX  Account Number : XXXX * XXXX ) DPT EDXXXX ( Student Loan Account ) XXXX  Account Number : XXXX * * * * * * * * * * * * XXXX  Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * Equifax Account Number : XXXX * XXXX * * * * * * * * * * * * Balance : {$6100.00} Date Opened : XX/XX/XXXX XXXX. 
3 ) DPT EDXXXX ( Student Loan Account ) XXXX  Account Number : XXXX * * * * * * * * * * * * XXXX  Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * Equifax Account XXXX : XXXX * * * * * * * * * * * * * * Balance : {$3500.00} Date Opened : XX/XX/XXXX Fraudulent inquiry XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Applicable Law : Under 15 U.S. Code 1681c-2 ( Section 605B ), you are required to block and remove any information resulting from identity theft within 4 business days of receiving appropriate proof

Company response to consumer: Closed with explanation