Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am submitting this follow-up complaint to formally reiterate that the continued reporting of the following fraudulent accounts and unauthorized inquiries is unlawful and inconsistent with federal statutes. Despite multiple disputes, these items remain inaccurately listed on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Disputed Fraudulent Accounts ( Identity Theft ) : XXXX Account # XXXX * * * * Reported as Charge Off * * I did not open or authorize this account. It has been misrepresented as a charge-off with a balance of {$530.00}. No original signed agreement or debt validation has been provided. Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false information FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681c-2 : Failure to block identity theft information upon notice IRS XXXX : Failure XXXX issue XXXX if charged off XXXX  XXXX XXXX Account # XXXX * XXXX with Late Payments * * I have no relationship with this account, and the late payment reporting is fraudulent. Violations : FCRA 1681i : Failure to reinvestigate disputed item FCRA 1681c-2 : Failure to block after identity theft notice FDCPA 1692g ( a ) : No debt validation provided XXXX Bankruptcy XXXX XXXX XXXX XXXX Reported Bankruptcy I have never filed for bankruptcy, and this entry is inaccurate. Violations : FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681i : Failure to conduct reasonable reinvestigation XXXX XXXXXXXX XXXX XXXX XXXX Reference # XXXX Reported Bankruptcy Also not my record ; I have not filed any bankruptcy with this reference. Violations : FCRA 1681e ( b ) FCRA 1681i Disputed Unauthorized Inquiries : These hard inquiries were never authorized and reflect either identity theft or errors : XXXXXXXX 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 XX/XX/XXXX Violations : FCRA 1681b ( f ) : No access to consumer report without a permissible purpose FCRA 1681b ( a ) ( 3 ) : No legitimate business need Supporting Documents Provided : Formal dispute letters CRA response letters Identity verification documentation XXXX Grounds for Relief : Under FCRA 1681i, credit bureaus must reinvestigate disputes within 30 days and delete unverifiable information. Under FCRA 1681c-2, CRAs must block identity theft-related data within 4 business days of receiving proper notice. Under FCRA 1681n and 1681o, continued violations expose furnishers and bureaus to civil liability. Requested Resolution : I am disputing a total of XXXX items : XXXX Negative Accounts ( including XXXX bankruptcies ) XXXX Unauthorized Hard Inquiries I request the immediate and permanent deletion of these items. If this matter remains unresolved, I will escalate to federal enforcement bodies and pursue legal remedies to protect my rights.

Company response to consumer: Closed with non-monetary relief