Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XXXXXX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX. This inquiry is not authorized XXXX XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c 2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation