Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am filing this complaint because my credit report with EQUIFAX contains fraudulent accounts, unauthorized hard inquiries, and inaccurate personal information that I did not authorize or provide. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security, and proof of current address to support my claim. 

Fraudulent Accounts : The following fraudulent accounts are being inaccurately reported on my credit file : XXXXXX/XX/XXXXXXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$130.00}, and XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$1100.00}. I affirm that I never authorized, opened, or had any knowledge of these accounts, which clearly constitute fraudulent activity. Therefore, pursuant to the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) and 611, I demand an immediate reinvestigation, the permanent removal of these accounts from my credit report, and written confirmation of their deletion within the 30-day period required by law.

Unauthorized Inquiries : According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditors responsible for the inquiries listed below confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. These inquiries were not authorized by me and must be deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inaccurate Personal Information : Additionally, my credit file contains unauthorized name variations and outdated addresses that do not belong to me. My only legal name is XXXX XXXX XXXX as it appears on my Social Security Card ( see proof attached ). No other name variation is valid or authorized to appear on my credit profile. My only correct and current address is XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX ( see proof attached ). Any other address listed is inaccurate, no longer associated with me, and must be permanently removed from my credit file. 

Legal Basis : This inaccurate and fraudulent information is negatively affecting my credit and was placed without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed 15 U.S.C. 1681s-2 Furnishers must not report inaccurate information 15 U.S.C. 1681b No permissible purpose for accessing or reporting this account 15 U.S.C. 1692e ( FDCPA ) Prohibits false or misleading representations in debt collection For these reasons, I demand the immediate deletion of all fraudulent accounts, unauthorized inquiries, inaccurate names, and outdated addresses from my credit report, and I request written confirmation of the corrections.

Company response to consumer: Closed with explanation