Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX Subject : Formal FCRA Dispute Identity Theft and Reporting Errors Dear Equifax Dispute Department , I am writing to formally dispute and demand immediate correction of multiple accounts appearing on my Equifax credit report dated XX/XX/XXXX that are either fraudulent due to identity theft or contain reporting inaccuracies. 
I have previously submitted identity theft documentation to the credit bureaus since XXXX, and several of these same accounts have reappeared despite confirmed deletion, constituting violations of FCRA 611 ( a ) ( 5 ) ( B ) ( C ) and 605B.

Disputed and Error Accounts 1. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Balance {$26000.00} Opened XX/XX/XXXX Charged Off XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Balance {$18000.00} Opened XX/XX/XXXX Charged Off XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX  Balance {$20000.00} Opened XX/XX/XXXX Charged Off XXXX XXXX  These three accounts are fraudulent auto loans resulting from identity theft and must be permanently deleted under 605B.

4. XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$22000.00} Charged Off XXXX XXXX This account is fraudulent, opened without authorization, and must be removed. 
5. XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3800.00} Charged Off XXXX XXXX  6. XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$3500.00} Charged Off XXXX  These two accounts are fraudulent and were not opened or authorized by me.

7. XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$3200.00} Opened XX/XX/XXXX Current XXXX XXXX Legitimate account ; however, payment dates and reported balance differ from other bureaus and need correction. 
8. XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2800.00} Opened XX/XX/XXXX Current XXXX XXXX  Legitimate account but contains date and high-balance inconsistencies. 
9. XXXX XXXX  XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$710.00} Charged Off XXXX XXXX  Still showing consumer dispute remark despite resolution ; needs to be updated or deleted. 
10. XXXX / XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} Charged Off XXXX XXXX Incorrect delinquency date and amount past due information. 
11. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00} Charged Off XXXX XXXX Still reported as reinvestigation in process, which is inaccurate. 
Applicable FCRA Violations 605B : Failure to block identity-theft information upon proper documentation.

611 ( a ) ( 5 ) ( B ) ( C ) : Reinserted deleted data without required certification or consumer notice.

607 ( b ) : Failure to maintain maximum possible accuracy.

623 ( a ) ( 2 ) : Furnisher failure to update inaccurate data.

616617 : Civil liability for willful or negligent noncompliance.

Requested Actions 1. Permanently delete all fraudulent XXXX XXXX, XXXX, and XXXX XXXX accounts. 
2. Reinvestigate and correct both XXXX XXXX  accounts for date, payment, and balance discrepancies. 
XXXX. Correct or remove inaccurate entries for XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
4. Provide written confirmation and an updated credit report within 30 days, as required by 611 ( a ) ( 6 ).

5. Please note continued reporting or reinsertion of deleted data will be reported to the Consumer Financial Protection Bureau and the Florida Attorney General for review under 616617.

Enclosures 1. Copy of U.S. Passport ( proof of identity ) 2. Copy of Social Security Card 3. Copy of Utility Bill / Bank Statement ( proof of address ) 4. Copy of FTC Identity Theft Report / Police Report Sincerely, __________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief