Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Re : Fraudulent Identity-Theft Claim Filed by XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representatives , I am writing on behalf of my XXXX, XXXX XXXX XXXX to formally document and dispute a false identity-theft claim filed by her XXXX, XXXX XXXX. I have served as my XXXX  caregiver and financial advocate for nearly XXXX years, through multiple periods when she lived under my care. This letter serves to protect both the truth of her credit history and the integrity of our long-standing, fully authorized financial relationship. 
XXXX. False Identity-Theft Claim and Shared Credit History XXXX XXXX XXXX XXXX XXXX or more credit bureaus to claim that certain accounts on my grandmothers  report were the result of identity theft. That claim is completely false. 
Beginning as early as XXXX, my grandmother  and I have been mutual authorized users on several credit card accounts. She was listed on more of my accounts than I was on hers, all with her full knowledge and consent. For years, we maintained excellent standing ; XXXX balances, autopay through my bank, and no missed payments. 
Only in XXXX, when XXXX began interfering, did balances appear. Without warning, she removed me as an authorized user from accounts that still carried balances, blocking my ability to continue payments. XXXX goal appears to be to avoid her own responsibility for these debts by portraying legitimate, shared credit activity as fraud. 
XXXX. Verification and Name History I authorize each bureau to cross-reference my credit history under both legal names : XXXX XXXX XXXX XXXX ( legal name change effective XX/XX/XXXX ) You will find a consistent record of authorized-user relationships, on-time payments, and shared accounts with XXXX XXXX across multiple XXXX XXXX 
XXXX. Law-Enforcement and Protective Action A police report has been filed with the City of XXXX Police Department concerning this fraudulent activity. 
( XXXX XXXX Case Number : XXXX ) During that same report, the XXXX advised me to request a welfare check through XXXX XXXX XXXX of Arizona, ( case numbers XXXX and XXXX ) which I immediately filed. These steps were taken to ensure both safety and documentation of what has become a pattern of financial and emotional abuse directed by XXXX XXXX toward her mother. 
XXXX. Pattern of XXXX and XXXX XXXX It is important for the bureaus to understand the context of fear and dependency surrounding my grandmother. 
As I stated previously to XXXX XXXX XXXX, XXXX XXXX lives in a constant state of quiet fear. She depends on XXXX XXXX for shelter and has learned to comply with whatever narrative XXXX constructs in order to keep a roof over her head. When pressured, my grandmother will agree with XXXX ; often against her own interests ; because she feels she has no other option. 
This coercion explains why XXXX is able to file claims or speak on her behalf without objection. XXXX is not acting freely ; she is acting under duress. After XXXX and her siblings refused to share in the {$1000.00} monthly cost of my grandmothers independent living apartment that I secured for her, XXXX moved her back in ; using that dependency to reassert control. Out of fear of losing her only housing, XXXX now echoes whatever XXXX tells her to say. 
XXXX. Chronology of XXXX and XXXX XXXX XXXX From XXXX through XXXX, my grandmother and I maintained a transparent financial partnership and a deeply personal bond. She often told me she could not help me financially but could help me build good credit. In return, I added her as an authorized user on my own cards. 
XX/XX/XXXX : XXXX expelled XXXX from her home. I have the recorded call, stating they were tired of her and that she was a problem. 


XXXX XXXX XXXX XXXX XXXXXXXX lived independently in a condo in the same high-rise where I live, that I paid for, then I moved her in with me in XX/XX/XXXX, because she was getting depressed living alone. In XXXX when I announced to XXXX and her son XXXX XXXX that I was going to move out of the country, I secured an independent living apartment in a well-known senior community. XXXX immediately moved her out XXXX weeks later, so that XXXX rent money could go to her gambling addiction instead of the senior community. XXXX  always charged this elderly woman rent, and would make her pay for her own food. This is something I completely disagree with. 

XX/XX/XXXX : When I planned an overseas move, I arranged permanent housing for her and offered to share expenses. XXXX refused and then convinced her mother to move back in with her. 


Since that move, every action XXXX has taken ; removing my authorized-user access, filing false claims, and controlling her mothers credit ; has been rooted in manipulation. 
XXXX. Request for XXXX XXXX XXXX respectfully request that TransUnion, Experian, and Equifax : Reject and flag as disputed any identity-theft filing made by XXXX XXXX ( my XXXX XXXX on behalf of XXXX XXXX. 


Document this letter within both credit files for future reference in any civil or criminal proceedings. 


XXXX. Closing Statement Both XXXX XXXX and I are victims of XXXX XXXX ongoing financial coercion and fraudulent conduct. My grandmothers compliance should not be mistaken for consent ; it is survival behavior born out of fear. The evidence of authorization, shared payment history, and my police report all confirm that these accounts are legitimate and that XXXX XXXX claims are knowingly false. 
Thank you for your attention and for ensuring that consumer credit records reflect truth ; not the pressures of those who manipulate the vulnerable. 
Respectfully, XXXX XXXX ( formerly XXXX XXXX ) On Behalf of XXXX XXXX ( my XXXX  )

Company response to consumer: Closed with explanation