Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of Accounts Dear Equifax Dispute Department, I am writing to formally dispute the reporting of the following accounts on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX  SER After reviewing my credit report, I have identified multiple violations of federal consumer protection laws in the reporting of these accounts, specifically under 15 U.S.C. 6802, 15 U.S.C. 1681b, and 18 U.S.C. 1028A. I request immediate action to correct these violations. 

XXXX. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies can not disclose or share my nonpublic personal information with third parties without my explicit consent. 
Equifax has failed to provide proof that I authorized the reporting or sharing of these accounts. 
Resolution Demand : If Equifax can not provide signed documentation showing my consent, these accounts must be immediately deleted from my credit file. 

XXXX. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose FCRA 1681b mandates that a consumer reporting agency may only furnish a credit report for specific, permissible purposes, such as a valid credit transaction or court order. 
Equifax has not provided proof that it had a legally valid reason to report these accounts. 
Resolution Demand : I request that Equifax provide : Signed authorization proving that I permitted these creditors to report these accounts.

Verification records explaining how these accounts were confirmed as accurate. 
Evidence of a valid permissible purpose under federal law. 
If Equifax can not produce this evidence, these accounts must be permanently deleted from my credit report. 

XXXX. Violation of 18 U.S.C. 1028A Aggravated Identity Theft The unauthorized or inaccurate reporting of accounts may constitute identity theft under 18 U.S.C. 1028A.

If these accounts were reported without my explicit authorization, I may be a victim of fraudulent reporting.

Resolution Demand : If Equifax can not verify with 100 % accuracy that I agreed to these accounts being reported, these accounts must be deleted immediately, and Equifax must conduct an internal fraud review. 
Formal Request for Reinvestigation and Deletion Under FCRA 611 ( a ) ( 1 ) ( A ), I formally request that Equifax conduct a reinvestigation of these accounts within 30 days. If these violations are not corrected, I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office and may pursue legal action under FCRA 616 & 617, which provide for statutory damages, punitive damages, and attorneys fees.

Final Notice & Next Steps I expect a written response confirming the removal of these accounts within 30 days. If Equifax continues to report unauthorized, unverified, and inaccurate information, I will pursue all legal remedies available. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief