Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX Compliance : Dispute of XXXX XXXX XXXX and Accounts Request for Fraud Alert, Freeze, and Removal of Fraudulent Data Dear Sir/Madam, I am writing to formally dispute the * * unauthorized credit inquiries * * and * * fraudulent accounts * * appearing on my Equifax credit report. As required by * * FCRA 605B * * ( 15 U.S.C. 1681c-2 ), I request immediate * * removal * * and * * blocking * * of these unauthorized inquiries and fraudulent accounts. 

Additionally, I am requesting a * * fraud alert * * and * * credit freeze * * to be placed on my Equifax account. Please provide me with my most recent * * credit score * * and * * updated disclosure report * * that reflects the removal of the disputed items. 

This letter is structured in compliance with * * XXXX XXXX standards * * for credit disputes, as outlined by the Consumer Data Industry Association ( CDIA ), and I request all actions to be completed in accordance with the * * Fair Credit Reporting Act ( FCRA ) * *. 

# # * * Part 1 : Unauthorized Inquiries to Be Blocked/Removed * * Please remove the following * * unauthorized credit inquiries * * from my Equifax credit report XXXX XXXX. * * EquifaxXXXX  * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax XXXX XXXX Update * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax * * XXXX XXXX XXXX XX/XX/year> XXXX. * * XXXX XXXX  * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/year> XXXX. * * Equifax Update * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax XXXX XXXX Update * * XX/XX/year> XXXX. * * EquifaxXXXX XXXX * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax Update * * XXXX XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax * * XXXX XXXX XXXX XX/XX/year> XXXX. * * XXXX XXXX * * XXXX XXXX XXXX XXXX, XXXX XXXX, FL XX/XX/year> XXXX. * * XXXX * * XXXX XXXX XXXX, XXXX XXXX, NJ XX/XX/year> XXXX. * * Equifax Update * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax XXXX XXXX Update * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax XXXX XXXX Update * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax Update * * XXXX XXXX XXXX XX/XX/year> XXXX. * * Equifax XXXX XXXX * * XXXX XXXX XXXX XX/XX/year> -- - # # * * Part XXXX : Fraudulent Accounts to Be Removed * * I did not open the following accounts and I request their * * immediate removal * * from my Equifax credit report : XXXX. * * XXXX XXXX XXXX  XXXX * * Account Status : Closed Last Payment : \ {$400.00} Age : 4 years 2 months XXXX. * * XXXX XXXX XXXX  XXXX * * Account Status : Closed Last Payment : \ {$0.00} Age : 3 years 7 months XXXX. * * XXXX  XXXX XXXX * * Account Status : Closed Last Payment : \ {$300.00} Age : 5 years 9 months XXXX. * * XXXX XXXX, XXXX * * Account Status : Closed Last Payment : \ {$90.00} Age : 3 years 3 months XXXX. * * XXXX XXXX * * Account Status : Open Balance : \ {$1000.00} Age : 4 months These accounts were opened without my authorization and must be removed from my credit file. 

-- - # # * * Part XXXX : Requested Actions and Documentation * * I am requesting the following actions : * * * Place a fraud alert * * and * * credit freeze * * on my Equifax credit file. 
* Provide me with my * * most recent credit score * * and an * * updated disclosure report * * reflecting the removal of the fraudulent items. 
* Please confirm in writing the removal of the disputed inquiries and accounts within * * four ( 4 ) business days * * of receiving this notice, as per the * * FCRA * *.

Please send all correspondence via * * US mail * * to the address below : * * XXXX XXXX XXXX, XXXX, LA XXXX * * -- - # # * * Supporting Documentation ( Enclosed ) * * In accordance with FCRA guidelines, I have included the following supporting documents to assist in the resolution of this dispute : * * * Government-issued ID * * ( drivers license or passport ) * * * Proof of address * * ( utility bill, bank statement, etc. ) * * * FTC Identity Theft Report * * or * * police report * * ( required under 605B ) * Copy of my * * credit report * * with disputed inquiries and accounts * * highlighted * * -- - # # * * Legal Requirements and Confirmation * * Under * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * *, Equifax is legally obligated to remove fraudulent items from my credit report within * * four ( 4 ) business days * * of receiving this dispute request. If Equifax determines that my identity theft claim is invalid, it must provide written notice with documentation supporting this determination. 

-- - # # # * * Next Steps and Expectations : * * 1. * * Respond within four ( 4 ) business days * * : Please confirm in writing the actions taken and the removal of the disputed items. 
XXXX. * * Send updated credit documentation * * : Provide my * * credit score * * and * * updated disclosure report * * after the fraudulent items are removed. 
XXXX. * * Place fraud alert and credit freeze * * : Ensure that my Equifax account is protected by placing a * * fraud alert * * and * * credit freeze * * on it. 

-- - Thank you for your prompt attention to this matter. I look forward to receiving the required documentation in accordance with the * * FCRA * *. 

XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief