Consumer complaint received 2025-08-18 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( # XXXX and # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. The fraudulent accounts appearing on my Equifax credit report consist of a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX with a reported balance of {$2600.00}, a credit card opened at XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX with a reported balance of {$140.00}, a credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1000.00}, an auto loan opened at XXXX XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$34000.00}, and a collection account opened at XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1100.00}. Additionally, there is a fraudulent credit card account opened at XXXXXXXX XXXXXXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX  with a reported balance of {$480.00}, a fraudulent collection account opened at UNAUTHORIZED COLLECTION on XX/XX/XXXX under account XXXXXXXX XXXX XXXX with a reported balance of {$610.00}, and another fraudulent collection account opened at UNAUTHORIZED COLLECTION on XX/XX/XXXX under account XXXXXXXX XXXX with a reported balance of {$770.00}. These accounts have caused inaccurate and damaging information to be reported, including unauthorized collections and inquiries. I demand that Equifax block and permanently remove these fraudulent accounts from my credit file in accordance with my rights under the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX for {$2600.00}, a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX for {$140.00}, a credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00}, an auto loan opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$34000.00}, a collection opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX for {$1100.00}, a credit card opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX for {$480.00}, a collection reported as Unauthorized Collection on XX/XX/XXXX under account XXXX * * for {$610.00}, and a collection reported as Unauthorized Collection on XX/XX/XXXX under account XXXXXXXX XXXX for {$770.00}. These accounts are fraudulent, have resulted in several unauthorized hard inquiries and collections, and do not reflect any legitimate consumer transactions. I demand that these items be removed from my credit report and that all collection activity related to them cease immediately, pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief