Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX  Veteran who served this country to protect the freedoms that credit bureaus now trample on. I am writing this complaint because false, outdated, fraudulent information is being maliciously reported against me, keeping me poor, powerless, and punishing me for daring to survive in an economy where corporations like the credit bureaus are getting rich while veterans like me are getting buried in debt and poverty. 

I need the immediate deletion of the following fraudulent and unverifiable accounts that are wrongfully on my credit report. These accounts are the result of identity theft, reporting errors, and illegal reporting violations against my rights under the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Debt Collection Practices Act ( FDCPA ), the FTC Act against deceptive practices, the Servicemembers Civil Relief Act ( SCRA ), and Veterans protections. Under 15 U.S. Code 1681c2, I am demanding these accounts be permanently blocked and removed as identity theft-related within four ( 4 ) business days as required by law.

Also, this bankruptcy is illegal to report past 7 years under 15 U.S.C. 1681c ( a ) ( 1 ). It has now been almost 10 years. You are violating my rights and prolonging my suffering illegally to make more money off my name and my struggle.

Please remove unauthorized/fraudulent accounts. 

Accounts : XXXX, XXXX XXXX XXXX/ ( Original Creditor ) : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX ( Original Creditor ) : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX ( Original Creditor ) : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ {$2200.00} XXXX XXXX XXXX, ( Original Creditor ) : XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXXXXXX XXXX ( Original Creditor ) : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXXXXXX XXXX, ( Original Creditor ) : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX, ( Original Creditor ) : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00XXXX XXXX XXXX XXXX, ( Original XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX, Original Creditor : XXXX  Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1800.00} The bankruptcy is an illegal entry that violates my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c. It must be removed immediately. No further excuses. 

Public Record : Court name : XXXX XXXX XXXX TEXAS XXXX type : XXXX XXXX Bankruptcy Date filed : XX/XX/XXXX Date paid : XX/XX/XXXX I am invoking XXXX XXXX Code XXXX to demand the permanent blocking and removal of all fraudulent information resulting from identity theft. Attached are my proof of identity, an identity theft report, and my signed statement confirming none of these accounts or inquiries were authorized by me. 
By continuing to report this fraudulent and outdated information, you are violating the FCRA, ECOA, FDCPA, FTC Act, Servicemembers protections, and you are causing ongoing damage to my life, my ability to secure housing, employment, and basic necessities. Your corporate greed is killing veterans and pushing generations of XXXX  families deeper into poverty while you profit off their suffering.

As a struggling veteran in a broken economy, I demand immediate action. Failure to comply will result in my filing suit for maximum statutory and punitive damages under the law.

Delete this fraudulent information immediately. 

XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief