Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I am filing this complaint because my rights under federal law are being violated by credit reporting agencies and furnishers who continue to report information on my credit file without my written consent or lawful authorization. 

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I have never provided written consent for any of the accounts, inquiries, or personal information listed below to appear on my consumer credit reports.

Under 15 U.S. Code 1681c-2, credit reporting agencies are required to block any information a consumer identifies as unauthorized, fraudulent, or inaccurate within 4 business days of receiving proper notice. Despite my previous disputes and documentationincluding my FTC Identity Theft Report ( Report Number XXXX ) the credit reporting agencies have failed to remove these items within the timeframe required by law, which places them in violation of the Fair Credit Reporting Act ( FCRA ). 

The entities reporting these items have not provided me with tax documents, contracts, or any legally binding agreements proving that I authorized these accounts, inquiries, or personal information changes. Reporting this data without my written consent is unlawful. 

I am demanding the immediate deletion of the following unauthorized information from my credit reports : Names appearing without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized addresses reported : 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 ( multiple variations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( various variations ) Employers reported without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts or collections reported without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries appearing without my written consent XXXX XXXX XXXX XXXX various dates in XXXX XXXX XXXX XXXX various dates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various dates XXXX XXXX XXXX  various dates XXXX XXXX XXXX XXXX various dates XXXX XXXX XXXX various dates XXXX XXXX XXXX various dates XXXX XXXX XXXX various dates XXXX XXXX  various dates ALLY XXXX various dates XXXX  XXXX various dates XXXX XXXX XXXX XXXX various dates 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  I am demanding immediate removal of all the above unauthorized data under FCRA 15 U.S. Code 1681c-2. I further demand written confirmation from each credit reporting agency that these items have been permanently deleted from my credit file.

I am attaching : My FTC Identity Theft Report Identity theft dispute letters sent to Equifax, Experian, and TransUnion A detailed list of the unauthorized items for deletion I request the CFPBs assistance in ensuring that the credit reporting agencies comply with federal law, remove these unauthorized items, and provide written confirmation of these deletions.

Company response to consumer: Closed with non-monetary relief