Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX XXXXXXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. Specifically, the fraudulent accounts reported by Equifax include an XXXX XXXX credit card account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported balance of {$28000.00} ; a XXXX  account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$3600.00} ; a XXXX XXXX account associated with XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX, with a reported balance of {$950.00} ; a XXXX XXXX  account associated with XXXX  ( account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX, with a reported balance of {$3700.00} ; and an Unauthorized Collection account ending in XXXX, opened on XX/XX/XXXX, with a reported balance of {$0.00}. These accounts do not belong to me, were never authorized by me, and must be immediately blocked and permanently deleted pursuant to the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$28000.00}, a Credit Card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$3600.00}, a Collection reported by XXXX  on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$950.00}, another Collection reported by XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$3700.00}, and an UNAUTHORIZED COLLECTION reported on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX for {$0.00}. I demand these fraudulent items be deleted from all credit reports and all related collection activity cease pursuant to my rights within the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief