Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute Unauthorized Accounts on My Equifax Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the following unauthorized accounts currently reporting on my Equifax credit file. I did not open or authorize these accounts, and I am demanding that they be permanently deleted under applicable consumer protection laws. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX XXXX XXXX  {$650.00} I am a long-haul truck driver and spend most of my time on the roadoften 365 days a year. I do not apply for personal credit because I do not need it. The only credit account I have is a fuel card through my employer, which is used solely for work-related travel. I have not applied for or used any personal financial accounts, including the ones listed above. 

I have also learned that my personal information has been compromised in multiple data breaches, including the Equifax breach, which likely contributed to these accounts being fraudulently opened in my name. I am a victim of identity theft, and these accounts are harming my credit profile and misrepresenting my financial behavior. 

Legal Basis for Permanent Deletion : 1. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting accounts that were not opened or authorized by me violates this federal requirement. 

2. 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Negligent failure to comply with any part of the Fair Credit Reporting Act ( FCRA ) subjects credit reporting agencies to civil liability. Continuing to report unauthorized tradelines after proper notice violates this provision.

3. 31 U.S.C. 5118 Legal Tender and Discharge of Debt This statute supports the consumers right to challenge the legal enforceability of debts not lawfully incurred or validatedespecially those arising from identity misuse or data breaches.

4. Uniform Commercial Code ( UCC ) Article 9, Part 6 Under Article 9, Part 6 of the UCC, a secured party must prove the legitimacy of any claim to a financial obligation before it is enforced or collected. Without a valid and signed agreement, these debts have no lawful basis to remain on my credit report.

My Formal Demands : 1. Immediately and permanently delete the above-listed XXXX XXXX and XXXX XXXX XXXX XXXX my Equifax credit file 2. Block these accounts from being reinserted at any time in the future 3. Provide a written statement confirming deletion and final resolution of this dispute 4. Cease all future reporting and ensure strict compliance with the FCRA and UCC obligations This is a formal identity theft-related dispute. I expect Equifax to fulfill its legal responsibilities under federal and commercial law and protect me from the consequences of reporting unauthorized, inaccurate information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief