Consumer complaint received 2025-12-08 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mississippi XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Equifax is legally required to complete this action within four business days of receiving this complaint. * Fraudulent Accounts to be Removed : 1. DEROGATORY / DELINQUENT ACCOUNTS EQUIFAX I dispute the following tradelines in their entirety : XXXX XXXX Acct # : XXXX Balance : {$590.00} ( Equifax ) You are reporting a balance of {$590.00} on this account. 

XXXX is reporting a {$0.00} balance on the same account, which can not simultaneously be true. 

This direct conflict proves that at least one version is inaccurate, and therefore my file is not being reported with maximum possible accuracy. 
Demand : Delete this XXXX XXXX tradeline from my Equifax report in its entirety. 

XXXX XXXX Acct # : XXXX Balance : {$590.00} ( Equifax ) You show a derogatory balance of {$590.00}, while XXXX shows {$0.00} for this account. 

The discrepancy between bureaus automatically makes this reporting questionable and unreliable. 

I dispute the balance, status, and any late payment notations. 
Demand : Delete this XXXX XXXX tradeline from my Equifax report in its entirety. 

XXXX / XXXX BANK Acct # : XXXX Balance : {$1500.00} ( Equifax ) You are reporting a balance of {$1500.00}. 

XXXX  is reporting a different balance of {$1000.00} for this same account. 

Two different balances being reported at the same time is a clear violation of accuracy and creates a misleading picture of my liability. 

I dispute the amount, the status, and any derogatory markers being reported by Equifax. 
Demand : Delete this XXXX XXXX XXXX XXXX tradeline from my Equifax report in its entirety. 

XXXX XXXX ( XXXX ) Acct # : XXXX Balance : {$870.00} ( Equifax ) This is a collection account being reported with a balance of {$870.00}. 

I dispute the validity of this alleged debt, the amount reported, and XXXX legal right to report and collect. 

You must obtain full validation ( chain-of-title, original contract, detailed accounting ) to continue reporting this. If you can not, it is unverifiable. 
Demand : Delete this XXXX XXXX collection tradeline from my Equifax report. 

2. UNAUTHORIZED / QUESTIONABLE INQUIRIES EQUIFAX I also dispute the following hard inquiries as unauthorized or improperly retained : XXXX XX/XX/XXXX XXXX XX/XX/XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX & XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation