Consumer complaint received 2025-10-23 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. 
Attn : Compliance / Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Subject : Formal Cease and Desist / Unauthorized Loan Dispute under FCRA, FDCPA, ECOA Dear XXXX XXXX XXXX and Credit Reporting Agencies, I, XXXX XXXX XXXX XXXX, am writing to formally dispute and demand removal of any and all consumer records, inquiries, or obligations associated with a vehicle loan reported in my name. I did not consent to, authorize, or sign for this loan. 

Upon discovering this unauthorized loan, I contacted the primary loan holder to raise my concerns. The primary loan holder acknowledged responsibility for repayment and repossession of the vehicle, confirming that I was not liable for this loan. Despite this, the loan continues to appear on my credit profile and may be reported as my obligation. 

I have not had any further contact regarding this loan since that communication, and I continue to assert that I did not provide authorization or consent for this loan to be taken out in my name. This constitutes a violation of federal consumer protection laws. 



Legal Basis for Demands 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
Reporting this loan without my authorization is unauthorized and inaccurate. 
Under 15 U.S.C. 1681i, I am disputing this account and demand immediate reinvestigation and removal of any unverifiable or unauthorized records. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c XXXX and any collection entities must cease all collection activities related to this unauthorized loan. 
3. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 Reporting this loan without my authorization violates my rights under ECOA and constitutes misrepresentation. 
4. Federal Trade Commission Act ( FTCA ) 15 U.S.C. 45 ( a ) Santander and credit bureaus are prohibited from engaging in unfair, deceptive, or unauthorized practices, including reporting fraudulent or unauthorized accounts. 



Required Actions XXXX XXXX XXXX must : 1. Immediately remove my name from the loan account. 
2. Cease all collection efforts against me related to this loan. 
3. Provide written confirmation of account removal within 15 business days. 
Credit Reporting Agencies ( XXXX  Equifax, XXXX ) must : 1. Delete all records, inquiries, or notations associated with this loan in my credit profile. 
2. Conduct a reinvestigation under 15 U.S.C. 1681i to confirm that I did not authorize or consent to this loan. 
3. Provide an updated credit report reflecting removal of all unauthorized data. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Massachusetts Attorney General, as well as legal action under 15 U.S.C. 1681n, 1681o for damages, attorney fees, and penalties. 

This letter constitutes a final demand for compliance and removal under federal consumer protection law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation