Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I filed a police report in addition to Affidavit Regarding Specific Fraudulent Items and Errors ( Identity Theft ) Date : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone Number : XXXX Email : XXXX Employer : Self-employed statement under Penalty of Perjury : I, XXXX XXXX XXXX XXXX declare as follows : My personal information as stated above is accurate and current. Any personal information listed on my Equifax report which does not match this is either outdated or fraudulent. 

I have placed a fraud alert with all major credit bureaus as a victim of identity theft, and I have filed a police report. I am attaching a copy of this report to support my dispute.The following accounts and items are not mine and are the result of identity theft, inaccurate reporting, or both. These do not reflect any transaction, application, or agreement that I made or authorized. I am requesting that Equifax block, remove, and cease reporting these items immediately pursuant to 15 U.S.C. 1681c-2.

Specific Collections Accounts XXXX XXXX XXXX Account numbers ending XXXX and XXXX : {$550.00} and {$520.00} Status : Closed, Debt Buyer, marked as Collection and Charge Off Opened : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Account number ending XXXXXXXX XXXX XXXX XXXX : Closed, Debt Buyer, marked as CollectionOpened : XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX and XXXX XXXX ) Account number ending XXXX Amount : $ XXXX : Unpaid CollectionReported : XX/XX/XXXX Assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX and XXXX XXXX XXXX ) Account numbers ending XXXX and XXXX : {$6100.00} and {$330.00} Status : Unpaid Collection Assigned : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account number ending XXXXXXXX XXXX XXXX XXXXXXXX : Unpaid Collection Assigned : XX/XX/XXXX Negative/Closed Accounts XXXX XXXX XXXX  Account ending XXXX : {$160.00}, Status : Charge Off, Closed by XXXX XXXX Date of 1st Delinquency : XX/XX/XXXX XXXX XXXX XXXX ending XXXX Amounts : {$1300.00} and {$910.00} Status : Closed, marked Collection/Charge Off, negative months showing consistent delinquencies Other Negative Items Any entry on my report that reflects a late payment, charge-off, or similar derogatory statusincluding but not limited to the above accountsis a result of fraud and/or does not pertain to any legitimate debt or obligation of mine. 

Affirmation and Request I did not open, authorize, or benefit from the above listed accounts and do not recognize these debts or delinquencies.I affirm that all such accounts, along with any negative payment histories associated with them, are the product of identity theft.I request, in accordance with the Fair Credit Reporting Act ( FCRA ) and specifically 15 U.S.C. 1681c-2, that Equifax immediately block, delete, and cease to report these fraudulent and erroneous accounts, negative items, and any associated personal information that is inaccurate or does not match the accurate information provided herein.

Company response to consumer: Closed with explanation