Consumer complaint received 2025-08-22 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: NH

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. Specifically, Equifax is reporting the following fraudulent accounts : XXXX XXXX XXXX, account ending in XXXX, opened XX/XX/XXXX, with a balance of {$6800.00} as a credit card ; XXXX XXXX XXXX XXXX account ending in XXXX, opened XX/XX/XXXX, reporting {$0.00} as a credit card ; XXXX XXXX  XXXX account ending in XXXX, opened XX/XX/XXXX, reporting {$2900.00} as a credit card ; XXXX  XXXX, account ending in XXXX, opened XX/XX/XXXX, reporting {$1300.00} as a credit card ; XXXX XXXX XXXX account ending in XXXX, opened XX/XX/XXXX, reporting {$0.00} as an unsecured loan ; Customer Bank/Upstart XXXX account XXXX XXXX XXXX, opened XX/XX/XXXX, reporting {$0.00} as an unsecured loan ; Upgrade XXXX, account XXXX XXXX XXXX, opened XX/XX/XXXX, reporting {$0.00} as a personal loan ; and SECCredit, account ending in XXXX, opened XX/XX/XXXX, reporting {$3900.00} as a collection. None of these accounts belong to me, nor were they authorized by me, and I demand that Equifax block and permanently delete them in full compliance with the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report XXXX 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 accounts include a Credit Card opened at XXXX XXXX XXXX  under account XXXX XXXX XXXX  with a {$6800.00} balance, a XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, a XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$2900.00} balance, a Credit Card XXXX XXXX XXXX XXXX XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$1300.00} balance, and an Unsecured Loan at XXXX  XXXX  on XX/XX/XXXX under account XXXX XXXX XXXX XXXX  with a {$0.00} balance, Unsecured Loan opened at XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, a Personal Loan at UPGRADE INC on XX/XX/XXXX under account XXXX XXXX XXXX XXXX with a {$0.00} balance, and a Collection reported by XXXX  on XX/XX/XXXX under account XXXX XXXX  with a {$3900.00} balance. These fraudulent accounts have also generated unauthorized inquiries and collections that negatively impact my credit profile. I demand their immediate deletion and cessation of related collection activity 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 XXXX ( XXXX ) 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