Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agenc block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists a XXXX XXXX account opened at all 1. Address : XXXX XXXX XXXX 2. Employers : XXXX XXXX and XXXX 3XXXX XXXX XXXX ( XXXX ) -Account # XXXX 4. XXXX XXXX XXXX ( XXXX ) -Account # XXXX ( paid off ) 5. XXXX XXXX - Account # XXXX 6. XXXX XXXX XXXX - Account # XXXX 7. XXXX - Account # XXXX 8. XXXX XXXX  - Account # XXXX. XXXX XXXX  - Account # XXXX, a credit card account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've mailed a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
Equifax, Transunion, and Experian violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files; failing to prevent the improper reinsertion of previously deleted information from consumer files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded. That Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.

Block and delete all fraudulent accounts, inquiries, collection, charge off, linked to old addresses. block and delete all fraudulent accounts and inquiries linked to the phone number. anything negative reported on my credit block and delete.

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file.As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information Please know that I XXXX XXXX am of sound Mind and no one assisted me in doing this process please do not deny me because you feel that I had assistance- No credit repair company assisted in this process, And I have attested to this I am a victim of trafficking. The information listed below, which apears on my credit report, is the result of that XXXX. 12 CFR 1022.142 1022.142 e ( 1 ) 1022.142 e ( 2 ) 1022.142 e ( 4 ) XXXX-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ) -- -- -- 1022.142 ( b ) ( 6 ) -- -- 1022.142 ( b ) ( 1 ) -- -- - 1022.142 ( d ) ( 1 ) -- -- - 1022.123 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act ( a ) Information excluded from consumer reports. no consumer reporting agency may make any consumer report containing any of the following items of information : ( b ) Accounts placed for collection or charged to profit and loss which antedate the report.

( c ) Any other adverse item of information ( d ) The reporting periods have been lengthened for certain adverse information pertaining to the XXXX Government insured or guaranteed XXXX XXXX  or pertaining to national direct XXXX XXXX. See sections 430A ( f ) and 463 ( c ) ( 3 ) of the Higher Education Act of 1965, 20 U.S.C. 1080a ( f ) and 20 U.S.C. 1087cc ( c ) ( 3 ), respectively. ( e ) Running of Reporting Period- any and all late payments Please block and delete ALL closed accounts that have adverse effects on my credit. For open accounts please remove the late payments but please dont remove the accounts Please just remove payment Histry listed .DO Not REMOVE MY OPEN ACCOUNTS UNLESS I REQUEST DUE TO THEM AFFECTING MY CREDIT WORTHINESS. ONLY REMOVE LATE PAYMENT COMMENTS -- -- -- - For my closed accounts that are in good standing please keep these in my record -- -- -- PLEASE ONLY REMOVE THE late payment HISTORY AND NOTE.

Please DELETE AND BLOCK ALL accounts that have negative impact which include the accounts above.

Company response to consumer: Closed with explanation