Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
Re : Urgent Credit Report Dispute Fraud, Privacy Violation, and Duplicate Reporting Complainant Information : Full Name : XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Disputed Issues : 1. XXXX  XXXX XXXX Fraudulent Account I have never opened or authorized any account with XXXX  XXXX XXXX. 
The presence of this account on my report constitutes fraudulent reporting and potential identity theft under FCRA 605B. 
I demand its immediate deletion and request that all bureaus investigate and provide documentation of how this account was opened and verified. 

2. XXXX XXXX XXXX XXXX Duplicate & Fraudulent Collection The original XXXX XXXX account ( ending in XXXX ) was charged off with a {$0.00} balance and marked purchased by another lender. Company wrote this off on their taxes so this account can not legally report. 
A second collection account now appears under XXXX ( account ending in XXXX ) for {$8500.00}, referencing XXXX XXXX XXXX XXXX as the original creditor. 
I did not authorize any third-party to collect on this debt, and XXXX has never sent me a validation notice. This is a direct privacy violation and fraud from this third party debt buyer. 
This is unauthorized, unverified, and duplicate reporting of a closed account and is a clear violation of : FCRA 623 furnishing inaccurate or unverifiable information FDCPA 809 ( a ) failure to provide validation of debt FCRA XXXX & GLBA violation of privacy rights for accessing or sharing information without permissible purpose The actions of XXXX constitute a serious privacy violation and potential unauthorized access of my consumer information. I never consented to do business with XXXX, and they have no verified contractual relationship with me. 

I am requesting a full investigation into : How XXXX obtained access to my consumer file Whether they obtained this data from a permissible source The chain of custody regarding this account transfer 3. Incorrect Name Variations My legal name is XXXX XXXX XXXX. 
My credit report includes incorrect aliases including : XXXX, XXXX XXXX, XXXX, XXXX These incorrect name variations are not only inaccurate but also risk connecting me to unauthorized or incorrect data, which is a violation of FCRA 605 ( b ). 

Requested Resolution : Remove the fraudulent XXXX  XXXX XXXX account immediately Delete the duplicate and unauthorized collection account from XXXX Investigate and report how XXXX accessed my information and whether a permissible purpose exists Correct my name on all credit reporting databases to reflect only : XXXX XXXX XXXX XXXX and desist all further third-party data sharing regarding this account without my explicit consent Supporting Documents Attached : Credit report screenshots from TransUnion showing the disputed accounts Proof of identity and address Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting a formal investigation within the required XXXX period. I reserve the right to pursue legal action for any willful violations, continued inaccurate reporting, or unauthorized disclosure of my private information.

Company response to consumer: Closed with explanation