Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint to formally document ongoing issues involving inaccurate and fraudulent accounts reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, as well as procedural problems that have prevented me from obtaining a fair resolution through the CFPB complaint process. These issues include improper handling of disputes, failure to investigate identity theft claims, lack of response from one institution, and the improper designation of my follow-up complaint as a duplicate, which has prevented further review. 

Background and XXXX of the Problem I first became aware of serious issues with my credit reports after reviewing them and noticing derogatory accounts that I did not recognize and did not authorize. These included a negative auto-related account reported by XXXX  XXXX XXXX XXXX and a derogatory account reported by XXXX XXXX XXXX XXXX . I did not open these accounts, did not sign any agreements related to them, and did not receive or benefit from any products or services associated with them. Because the presence of multiple derogatory accounts that I did not recognize raised concerns of fraud or unauthorized use of my personal information, I took immediate steps to investigate an
d dispute these accounts.

Actions Taken Regarding XXXX XXXX XXXX XXXX On XX/XX/year>, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX. In that complaint, I explained that I did not own the account being reported, that I had not authorized any lease or financing arrangement, and that the account appeared to be fraudulent. 

On XX/XX/year>, XXXX XXXX XXXX XXXX submitted a response to my CFPB complaint. Their response stated that they believed the account was valid and that I was not a victim of identity theft. However, their response did not include original signed contracts, verified identity documentation, or any conclusive evidence showing that I personally opened or authorized the account. 

Despite the lack of documentation and the unresolved nature of the dispute, my CFPB case was marked as closed after their response. 

Improper Duplicate Case Designation After reviewing XXXX  XXXX XXXX response, I attempted to file a follow-up complaint or rebuttal through the CFPB system because their response did not resolve the issue and did not address the identity theft concerns. However, I was unable to create a new CFPB case against XXXX XXXX XXXX because subsequent submissions were automatically flagged and marked as duplicate cases. 

This has effectively prevented me from responding to their explanation, submitting additional information, or requesting further CFPB review, even though the dispute remains unresolved. The inability to file a follow-up complaint has left me without a meaningful opportunity to challenge inaccurate conclusions or provide additional clarification. 

This duplicate-case designation is incorrect. My attempted follow-up filings were not duplicates, but rather legitimate rebuttals and requests for continued investigation after receiving an inadequate response. 

Actions Taken Regarding XXXX XXXX XXXX XXXX Separately, on XX/XX/year>, I filed a CFPB complaint against XXXX XXXX XXXX XXXX regarding a derogatory account that I do not own and did not authorize. Similar to the XXXX XXXX XXXX account, I did not recognize the XXXX XXXX account, did not sign any agreements, and did not receive any benefit from it. 

As of today, I have not received any response from XXXX XXXX XXXX XXXX regarding my CFPB complaint. There has been no explanation, no validation, and no documentation provided to address the dispute. 

The lack of response from XXXX XXXX XXXX XXXX has left this matter completely unresolved and continues to cause harm to my credit profile. 

Identity Theft and FTC Report Because I do not own the American XXXX XXXX account or the XXXX XXXX XXXX XXXX account, and because no documentation has been provided to show that I authorized or opened these accounts, I filed an FTC Identity Theft Report. This report formally documents that my personal information may have been used without my knowledge or consent.

The decision to file an FTC Identity Theft Report was made in good faith after reviewing my credit reports, disputing the accounts, and failing to receive meaningful validation. The filing of this report should have triggered heightened investigation and protections under federal law, including blocking fraudulent information and requiring furnishers to provide proof of ownership.

Despite this, the accounts remain unresolved.

Failure to Provide Validation or Conduct Reasonable Investigations Neither XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX has provided adequate validation of the disputed accounts. Specifically, neither company has produced : Original signed contracts or agreements Proof of identity verification at account opening Documentation showing I requested or authorized the accounts Complete billing histories demonstrating my responsibility Evidence that I received or benefited from the alleged transactions In the case of XXXX XXXX XXXX, the response relied on internal conclusions rather than verifiable documentation. In the case of XXXX XXXX XXXX XXXX, no response has been provided at all. 

Harm Caused by These Issues The continued reporting of these derogatory accounts has caused significant harm, including : Damage to my credit score Difficulty obtaining credit or favorable terms Stress and anxiety related to unresolved identity theft concerns Time and effort spent filing disputes and complaints Frustration caused by procedural barriers within the CFPB system The inability to submit a follow-up complaint against XXXX  XXXX XXXX due to the duplicate-case restriction has further compounded the problem by preventing meaningful review. 

Why CFPB Assistance Is Necessary I am requesting CFPB assistance because : XXXX  XXXX XXXX response did not resolve the dispute or adequately address identity theft. 

I am unable to file a follow-up or rebuttal complaint because cases are being incorrectly marked as duplicates. 

XXXX XXXX XXXX XXXX has failed to respond to my CFPB complaint filed on XX/XX/year>. 

I have filed an FTC Identity Theft Report documenting that I do not own these accounts.

Both accounts continue to negatively affect my credit despite a lack of validation.

Without CFPB intervention, I have no effective avenue to resolve these matters.

Summary of What Happened In summary : I discovered derogatory accounts from XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX that I do not own. 

I filed a CFPB complaint against XXXX XXXX XXXX on XX/XX/year>. 

XXXX XXXX XXXX responded on XX/XX/year>, but did not provide adequate proof. 

My case was closed, and subsequent attempts to file a rebuttal were blocked as duplicate cases. 

I filed a CFPB complaint against XXXX XXXX XXXX XXXX on XX/XX/year>. 

I have not received any response from XXXX XXXX XXXX XXXX. 

I filed an FTC Identity Theft Report because I do not own either account. 

Both matters remain unresolved and continue to cause harm. 

Conclusion I respectfully request that the CFPB review these matters, ensure that my complaints receive proper consideration, and assist in requiring XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to either provide full, verified documentation proving my responsibility for these accounts or remove them entirely. I am also requesting assistance in addressing the procedural issue that prevents me from submitting a rebuttal due to improper duplicate-case designations. 

These accounts do not belong to me, and I am seeking a fair opportunity to resolve these disputes and restore the accuracy of my credit reports.

Company response to consumer: Closed with explanation