Consumer complaint received 2025-11-28 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 opening a new case because many of the derogatory accounts previously disputed remain unresolved, inaccurately reported, and are continuing to negatively affect my credit profile. Despite filing disputes, submitting explanations, and providing supporting documentation, the companies involved either failed to validate the accounts, failed to respond adequately, or provided incomplete and legally insufficient responses. Because of this, I am requesting a complete reinvestigation of all accounts listed below, full removal of any unverifiable information, and the application of identity-theft protections under federal law. 

I also want to clearly state that I have filed an FTC Identity Theft Report affirming that I do NOT own these accounts, did not authorize them, and did not enter into any agreements or transactions with these companies. The accounts reported in my credit file are fraudulent, the result of identity theft or mixed-file issues, and must be permanently deleted. 

This new case will be submitted to Experian, Equifax, and TransUnion, requesting a comprehensive reinvestigation under FCRA 611, a complete identity theft block under FCRA 605B, and a full evaluation of each furnishers compliance with FCRA 623 ( b ).

I. REASON FOR OPENING THIS NEW CASE I am initiating this new case because the disputes filed previously did not resolve the fraudulent information. Several furnishers either : Failed to provide any proof that I opened the accounts Submitted automated e-OSCAR responses rather than actual documentation Provided irrelevant information that did not address identity theft Did not provide signed agreements or identity verification Claimed that accounts were verified without providing actual evidence Ignored or downplayed my FTC Identity Theft Report Used assumptions instead of proof Failed to conduct a reasonable reinvestigation Because federal law requires accurate and verifiable credit reporting, I am submitting this new case so each credit bureau can perform a full, manual reinvestigation of all accounts listed below.

II. I FILED AN FTC IDENTITY THEFT REPORT Under the FCRA, an FTC Identity Theft Report provides legal confirmation that fraudulent accounts must be blocked unless the furnisher produces real, original documentation proving the consumer opened the account. I have submitted an FTC Identity Theft Report affirming : These accounts are not mine.

I did not authorize any transactions.

I did not sign any applications or contracts.

My identity was used without my consent.

I did not open or activate any of the accounts listed.

Under FCRA 605B, the bureaus must block fraudulent information within 4 business days once identity theft documentation is provided. The law also requires furnishers to : Stop reporting the fraudulent accounts Provide real verification, not automated codes Remove the account if documentation can not be produced None of the companies involved have provided the required documentation. 
III. DEROGATORY ACCOUNTS I DO NOT OWN Below is a complete list of all derogatory accounts that I did not open, authorize, or recognize. I request full deletion unless original, authenticated, signed contracts and identity-verification documents are produced. 

XXXX. XXXX XXXX XXXX XXXX Amount XXXX As reported Reason for dispute : I never opened any account with XXXX. I never activated service, purchased a device, or entered into any contract. This account is fraudulent. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX  Accounts ) Amounts : {$990.00} {$1400.00} Reason for dispute : Both accounts are related to medical services I never received. I did not authorize treatment, I did not sign medical documents, and I did not provide consent for billing. XXXX failed to provide proof of identity, proof of service, or validated signatures. 

XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Reason for dispute : This alleged debt does not belong to me. I do not recognize the original creditor, the service, or any contract. No validation was provided. 

XXXX. XXXX XXXX XXXX Amount : {$100.00} Reason for dispute : I never opened the original account XXXX claims to have purchased. Debt buyers must produce original contracts, applications, and identity verification documents ; none have been provided. 

XXXX. XXXX XXXX XXXX ( XXXX Accounts ) Amounts : {$840.00} {$920.00} Reason for dispute : I never had an account with XXXX. I did not authorize any services they claim to represent. These debts are fraudulent. 

XXXX XXXX XXXX ( XXXX Derogatory Auto Accounts ) Amounts : {$8200.00} ( Equifax ) {$0.00} ( charged-off account still derogatory ) Reason for dispute : I have never financed a vehicle through Ally. I did not sign a retail installment contract, I did not apply for auto credit, and I did not authorize any loan. No signed agreement has been produced. 

XXXX. XXXX XXXX XXXX Amount : {$0.00} ( still derogatory ) Reason for dispute : I never purchased the vehicle referenced, never signed an auto finance contract, and never authorized any loan. The company failed to produce documents proving identity verification at the dealership or signature authentication. 

XXXX. XXXX XXXX XXXX Amount : As reported Reason for dispute : I did not open an account with this lender. I did not authorize any vehicle purchase or financing. No contract or identity documentation has been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : As reported Reason for dispute : This is not my debt. The company has not provided validation, contract evidence, or proof that I owe any money. 

IV. UNAUTHORIZED CREDIT INQUIRIES ( NOT MINE ) Identity thieves commonly apply for credit using stolen information. The following hard inquiries on my credit report are unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX for any loans, vehicles, or credit lines with these companies. These inquiries must be removed under FCRA identity-theft protections.

V. WHY THESE ACCOUNTS MUST BE REMOVED UNDER FEDERAL LAW Under FCRA 602 ( A ) and 607 ( B ), the credit bureaus must maintain : Maximum possible accuracy Reasonable procedures to assure accuracy Strict reinvestigation standards Under FCRA 611, the bureaus must delete information that : Can not be verified Is inaccurate Is incomplete Is the result of identity theft Under FCRA 605B, identity theft accounts must be blocked within 4 days.

Under FCRA 623 ( b ), furnishers must : Conduct reasonable investigations Provide real documentation Stop reporting unverifiable information These companies failed to comply.

VI. WHAT A FAIR RESOLUTION LOOKS LIKE ( FOR ALL 3 BUREAUS ) 1. Full deletion of all fraudulent accounts listed above No updates, no markings full removal.

2. Full deletion of all unauthorized inquiries They were not authorized by me.

3. Implementation of FCRA 605B identity-theft block The bureaus must block these accounts immediately.

4. Full manual reinvestigation NOT automated e-OSCAR codes.

5. Require furnishers to produce actual documentation Including original contracts, identity-verification documents, signed applications, and authentication logs.

6. Written confirmation after all deletions To ensure no future reinsertion.

7. Prevent reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) If any account is reinserted without full certification, it must be immediately removed.

8. Immediate correction of credit scores After deletions, any scoring damage must be restored.

VII. SUMMARY I did not open any of these accounts.

I did not authorize any credit inquiries. 
I filed an FTC Identity Theft Report. 
Previous disputes were not resolved. 
No company provided a signed contract, identity verification, or proof of ownership. 

Because these accounts are the result of identity theft, they must be removed in full. 

Thank you for reviewing this new dispute and ensuring that a lawful, complete resolution is reached.

Company response to consumer: Closed with non-monetary relief