Consumer complaint received 2025-03-19 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:
Subject : Urgent Dispute Request for Permanent Deletion of Inaccurate Accounts Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that are inaccurately reporting on my Equifax credit report. These accounts do not belong to me and were reported without my authorization. I am requesting that they be permanently deleted from my credit file immediately. The details of the disputed accounts are as follows : Creditor : XXXX  XXXX Balance : {$38000.00} Creditor : XXXX XXXX XXXX XXXX Balance : {$6200.00} Legal Basis for Dispute : Under my rights as a consumer, I am demanding the deletion of these accounts in accordance with the following laws : 1. FCRA ( 15 U.S.C. 1681 et seq. ) The Fair Credit Reporting Act mandates that all information reported to credit bureaus must be accurate, fair, and verifiable. If these accounts can not be fully verified in compliance with federal law, they must be deleted immediately.

2. FCRA 15 U.S.C. 1681b ( Permissible Purpose ) A credit report may only contain accounts that were legitimately authorized by the consumer. If these accounts were opened, reported, or accessed without my explicit authorization, they constitute an FCRA violation and must be removed.

3. 15 U.S.C. 6802 ( Financial Privacy Law ) This law protects consumer financial privacy and prohibits the sharing of personal financial data without consent. If my personal information was misused, improperly reported, or shared with third parties without my authorization, these accounts must be deleted.

4. 31 U.S.C. 5118 This statute reinforces the importance of accurate and legal financial transactions in consumer credit reporting.

FCRA ( 15 U.S.C. 1681i ) Requires Equifax to conduct a full reinvestigation within 30 days and remove any unverifiable or incorrect accounts.

Request for Immediate Action : I am formally requesting that Equifax : Conduct a full reinvestigation into the accuracy and legitimacy of the reported accounts. 

Obtain proper verification from XXXX  XXXX and XXXX XXXX proving that I authorized and am responsible for these accounts. 

Permanently delete these accounts from my credit report if they can not be fully verified with legally sufficient documentation. 

If this dispute is not resolved within the legally mandated 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and considering legal action for damages caused by the continued reporting of inaccurate information.

I have enclosed a copy of my ID and proof of address for identity verification. If you require any additional information, please contact me in writing at the address provided above.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccurate accounts have been removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief