Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
XXXXBy law a lawsuit will be filed against Equifax for continuing reporting negative information in which my score dropped another XXXX  as of today. Manual verification was required from receipt of this notice. You need to contact XXXX  directly I only have one address on my file which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nThese accounts under FTC and FCRA are still illegally being reported to my credit report and is totally illegal. Remove those two accounts that I am not associated with or action will be taken directly against XXXX  because you guys are the one thats failing to acknowledge the FTC and FCRA. Totally illegal!\n\nBy law under FTC and FCRA and upon receipt of this notice by law its 30 days from opening my complaint and a resolution has to be resolved. Transunion has not followed the law under FCRA FTC and this is my final notice I will send to Experian about rightful laws. A lawsuit will be issued directly against Transunion for not following the rules of FCRA and FTC. These accounts are not mine or attached to me. I have all my documentation basically Equifax is not following the rules under FCRA and a lawsuit will be initiated if these items are not removed\n\n\nNone of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE\n\nManual verification is required from notice. These items are illegal and needs to be removed asap.\n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.\n\nUnder USC Sec 15 Under USC 1666b\nUSC 1637 (b)\n15 USC 1681s-2\n15 USC 16811i\n12 CFR 1006.34c\n12 cfr 1006.6c\n15 usc 1671e(b)\n15 usc 1681s-2(A)\nUCC 9 Part 6\n, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately.\n\nNone of my signatures are on any of these fraudulent accounts.  Also my name is XXXX XXXX XXXXs stated on my credit report. All of these items are fraudulent and needs to be immediately removed!\n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!\n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX  report.\n\nThese addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP!\n\nPlease verify or remove immediately the following accounts:\n\n\nBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXXBy law a lawsuit will be filed against transunion for continuing reporting negative information in which my score dropped another XXXX  as of today. Manual verification was required from receipt of this notice. You need to contact XXXX  directly I only have one address on my file which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnThese accounts under FTC and FCRA are still illegally being reported to my credit report and is totally illegal. Remove those two accounts that I am not associated with or action will be taken directly against XXXX  because you guys are the one thats failing to acknowledge the FTC and FCRA. Totally illegal!\n\nBy law under FTC and FCRA and upon receipt of this notice by law its 30 days from opening my complaint and a resolution has to be resolved. XXXX  has not followed the law under FCRA FTC and this is my final notice I will send to XXXX  about rightful laws. A lawsuit will be issued directly against Transunion for not following the rules of FCRA and FTC. These accounts are not mine or attached to me. I have all my documentation basically Equifax is not following the rules under FCRA and a lawsuit will be initiated if these items are not removed\n\n\nNone of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE\n\nManual verification is required from notice. These items are illegal and needs to be removed asap.\n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.\n\nUnder USC Sec 15 Under USC 1666b\nUSC 1637 (b)\n15 USC 1681s-2\n15 USC 16811i\n12 CFR 1006.34c\n12 cfr 1006.6c\n15 usc 1671e(b)\n15 usc 1681s-2(A)\nUCC 9 Part 6\n, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately.\n\nNone of my signatures are on any of these fraudulent accounts.  Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!\n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!\n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX XXXX XXXX XXXXeport.\n\nThese addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP!\n\nPlease verify or remove immediately the following accounts:\n\n\nBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\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

Company response to consumer: Closed with explanation