Consumer complaint received 2025-12-03 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this complaint to demand that XXXX, XXXX, and Equifax immediately block and remove all fraudulent accounts, collections, and hard inquiries reporting on my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX Reference # : XXXX date filed, XXXXXXXX XXXX XXXX XXXX XXXX Reference # XXXX date file XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Reference # XXXX date filed XX/XX/XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. 
Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), you are required to ensure that the information you report to credit bureaus is accurate and complete.

Additionally, according to 15 U.S. Code 1681 ( 5 ) ( 2 ) ( C ), this account is in violation of the requirement to report 100 % accurate information Upon reviewing my records I am writing to formally dispute the inaccurate reporting of certain accounts on my credit report, which are the result of identity theft. My personal information was unlawfully shared without my consent with the credit reporting agencies, constituting a violation of my rights under 15 U.S.C. 1681c-2 and the Fair Credit Reporting Act ( FCRA ). According to these consumer protection laws, I have the right to dispute any information that is a result of identity theft and seek its immediate removal from my credit file. 



Furthermore, the presence of erroneous entries related to student debt, bankruptcy, collections, and child support negatively impacts my credit score and overall financial standing. This not only violates the FCRA but also the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from fraudulent collection practices. 

My personal information was compromised in a data breach, and unauthorized parties used it to open accounts and initiate hard inquiries without my consent. I did not authorize, initiate, or participate in any of the accounts, inquiries, or collections being reported. 

No third party, credit repair company, or representative is acting on my behalf.

I am submitting this dispute personally, as the victim of identity theft.

The information I am disputing is fraudulent, inaccurate, and unverifiable. Under federal law, the credit bureaus are required to : Block identity-theft-related information within 4 business days of receiving this complaint and documentation ( FCRA 605B ) Conduct a complete reinvestigation within 30 days ( FCRA 611 ) Ensure maximum possible accuracy of all reporting ( FCRA 1681e ( b ) ) I have attached : A list of the fraudulent hard inquiries A list of the fraudulent accounts/collections A copy of my full credit report showing the disputed information Proof of identity and proof of address Failure to properly investigate my dispute, failure to block identity-theft items, or failure to respond appropriately is a direct violation of the Fair Credit Reporting Act. 
Ignoring, dismissing, or failing to act on my dispute is illegal under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n ( Civil liability for willful non-compliance ) 15 U.S.C. 1681o ( Liability for negligent non-compliance ) Additionally, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) protects consumers from being held responsible for fraudulent accounts or inquiries resulting from identity theft.

I am requesting : 1. Immediate blocking of all fraudulent accounts, inquiries, and collections 2. A full reinvestigation of all disputed items 3. Written results and verification of your investigation 4. An updated, corrected copy of my consumer report 5. Confirmation of the measures taken to protect my personal information These inaccuracies are actively harming my creditworthiness and must be addressed with urgency. 

I expect complete compliance with federal law and written confirmation from your agency within the required timeframe.

Company response to consumer: Closed with explanation