Consumer complaint received 2025-02-08 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: ME

Complaint narrative:
I am writing to formally dispute the presence of an unauthorized and fraudulent account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information reported and to conduct a thorough and fair investigation when a consumer disputes an error.

The account in question, [ Account Name and Number ], does not belong to me and was fraudulently opened without my knowledge or consent. This false information is negatively impacting my credit profile, and I demand that it be immediately removed from my report.

Additionally, as recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) have demonstrated, consumer reporting agenciesincluding yourshave engaged in unlawful practices such as : Conducting sham investigations that fail to properly address consumer disputes. 
Uncritically accepting inaccurate information from furnishers, even when it is clearly unreliable. 
Reinserting previously removed inaccurate data without proper verification, in direct violation of the FCRA. 
I will not tolerate any such violations in the handling of my dispute. As required by federal law, you must conduct a proper investigation, communicate directly with the furnisher, and provide me with a clear resolution. If this fraudulent account is not removed immediately, I will escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed, I have provided a identity theft reports, FTC reports, to further support my claim. I expect written confirmation that this account has been permanently deleted from my credit report within the 30-day period required by law. 
Failure to comply will result in legal action to enforce my rights under the FCRA and seek damages for any harm caused by your failure to uphold your legal obligations. I trust that you will handle this matter with the seriousness it deserves. 
I expect a prompt response and resolution no later than XX/XX/XXXX Upon reviewing my report, I identified the following errors : 1. **Unauthorized Inquiries : ** 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated or authorized by me. I request immediate removal of these entries as they are inaccurate and damaging to my credit profile. I request that you investigate these matters and correct my credit report accordingly. Please provide written confirmation of your findings and any actions taken to resolve these errors. Please remove the following unknowing addresses from my file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and please remove the following EMPLOYMENT INFO XXXX

Company response to consumer: Closed with non-monetary relief