Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate information reported on my credit reports. I am a victim of identity theft and severe misreporting, resulting in fraudulent accounts, incorrect addresses, and unauthorized hard inquiries appearing across all three major credit bureaus. I did not authorize any of these entries, and they are causing substantial harm to my credit standing and personal well-being. Below are the specific items I am disputing : XXXX XXXX XXXXXXXX XXXX | High Balance : {$670.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : I did not open this account. This is an unauthorized debt. 
Law : FCRA 605B and FDCPA 809 require validation and removal of fraudulent accounts. 
Story : I became aware of this account when it reported as charged off. I never applied for or used this account. I suspect my identity was used by someone else. 
XXXX XXXXXXXX XXXX  | High Balance : {$1900.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Fraudulent accountnever authorized or opened by me. 
Law : FCRA mandates deletion of unverifiable or fraudulent data under 611 and 605B.

Story : I began receiving calls and collection attempts tied to this account which I never owned. I believe my personal information was compromised and used by an unknown party. 
XXXX XXXX XXXX  | High Balance : {$820.00} | Date Opened : XX/XX/XXXX | Late Payment Issue : This account was opened and used without my permission. 
Law : Per FCRA and Identity Theft Act, such accounts must be blocked and removed. 
Story : The payment history is damaging my credit. I have filed reports and submitted my ID theft affidavit previously. This account is not mine. 
XXXX XXXX | High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Duplicate fraudulent accountclearly identity theft. 
Law : FCRA requires investigation and deletion of duplicate/fraudulent records. 
Story : Two identical accounts under this creditor suggest a fraudster opened multiple lines. I never applied for these, and both are hurting my credit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Fraudulent account with no balance but marked negatively. 
Law : Per FCRA 611, this record must be corrected or deleted. 
Story : A {$0.00} balance account still reports negatively. I never used XXXX XXXXXXXX XXXX. The appearance of this is confusing and suspicious. 
XXXX XXXXXXXX | High Balance : {$980.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Unauthorized and fraudulent use of my identity. 
Law : FCRA 605B allows me to demand the deletion of accounts related to ID theft. 
Story : This account was opened and used without my permission. The chargeoff is damaging and false. 
XXXX XXXXXXXX XXXX  | High Balance : {$960.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Fraudulently opened and misused account. 
XXXX : FDCPA and FCRA both require this to be removed upon dispute. 
Story : I never shopped at XXXX using a XXXX account. I was never notified about this account until it was charged off. 
XXXX XXXXXXXX XXXX | High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Not my accountshows clear signs of identity misuse. 
Law : FCRA and FACTA support my right to have this deleted. 
Story : Similar to the XXXX account, this XXXX entry is fraudulent and reflects the same identity theft pattern. 
XXXX XXXX XXXXXXXX XXXX | High Balance : {$150.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Old fraudulent entry not removed after dispute. 
Law : FCRA mandates deletion of unverifiable information. 
Story : Despite my previous dispute, this account was not removed. I never used this credit union. 
XXXX XXXXXXXX XXXX | High Balance : {$1400.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Unauthorized wireless account. 
Law : FDCPA and FCRA both require deletion of identity theft-based records. 
Story : I received a collection letter from XXXX for an account I never opened. This was part of a larger identity theft scheme. 
XXXX XXXX XXXX | High Balance : {$4000.00} | Date Opened : XX/XX/XXXX | Late Payment Issue : Unfamiliar lender and suspicious late history. 
Law : All fraudulent accounts must be blocked upon request per FCRA. 
Story : This account appeared without warning and shows multiple late payments. I suspect my information was sold or misused. 
XXXX XXXXXXXX XXXX XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Unauthorized loan account. 
Law : Requires removal under Identity Theft law and FCRA. 
Story : I did not apply for any loan with XXXX XXXX. This chargeoff is causing me serious financial hardship. 
XXXX XXXXXXXX XXXX  | High Balance : {$520.00} | Date Opened : XX/XX/XXXX | Late Payment Issue : Fraudulent entry with incorrect payment history. 
Law : Per FCRA 611 and 605B, I have the right to dispute and remove false records. 
Story : I never opened this account. The late payments are hurting my ability to secure credit. 
XXXX XXXX XXXX XXXX XXXX | High Balance : {$890.00} | Date Opened : XX/XX/XXXX | Chargeoff Issue : Identity theftnever applied for this account. 
Law : Identity Theft Act ensures protection from unauthorized financial accounts. 
Story : I received no verification or notice from XXXX before this appeared on my credit. 
Conclusion : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I am requesting the immediate investigation and permanent deletion of all inaccurate, fraudulent, and unauthorized items listed above. These items are false, damaging, and were added to my credit report without lawful purpose or consent. I respectfully request that the CFPB take urgent action to hold the reporting agencies and furnishers accountable for these violations. I am attaching this complaint along with supporting documents and plan to report the matter to the FTC and local authorities.

Company response to consumer: Closed with non-monetary relief