Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
I am filing this identity theft dispute to XXXX under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ). I am the victim of identity theft and believe that my personal data was compromised through the Equifax security breach and potentially through XXXX systems. I have submitted a valid FTC Identity Theft Report ( Ref. No. XXXX ), along with my government-issued photo ID, proof of address, and written statements identifying each fraudulent account. Despite this, several negative tradelines continue to appear on my XXXX credit file. These accounts were not opened, authorized, or used by me. I never consented to the debts reported, and they do not belong to me. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$820.00} These accounts were either opened fraudulently or converted into charge-offs and collections without my knowledge or consent. No permissible purpose exists for XXXX to continue reporting these tradelines under FCRA 1681b ( a ) ( 2 ). These tradelines must be blocked and permanently deleted within four ( 4 ) business days as required by FCRA 1681c-2 ( c ). 

In addition, these accounts violate multiple provisions of federal law : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging with ongoing derogatory updates FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading data FCRA 1681c-2 ( c ) Failure to block identity theft data upon receipt of valid documentation 26 U.S. Code 6050P Failure to issue 1099-C for charged-off debts over {$600.00} ( applies to several accounts above ) I am formally requesting that all the listed fraudulent tradelines be permanently deleted from my Innovis consumer file within four business days and that I receive written confirmation of deletion and confirmation that these accounts will not be reinserted unless full compliance with FCRA 1681c-2 ( d ) is met.

This dispute is submitted in good faith and is fully supported by law and documentation. If not resolved immediately, I will escalate to the FTC, IRS Criminal Investigation Division, CFPB enforcement, and pursue legal remedies under FCRA 1681n and 1681o for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief