Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When reviewing my Equifax credit report, I discovered accounts and hard inquiries that I never authorized. 
The following accounts were fraudulently reported under my name : XXXX XXXXXXXX XXXX Account No. XXXX XXXX  XXXX XXXX Account No. XXXX I did not open, authorize, or consent to these accounts or any associated credit inquiries. I never signed any application or gave written or verbal permission for anyone to access my credit file for these purposes. 
Based on the evidence, I believe these entries resulted from identity theft or unauthorized use of my personal information. 

To protect myself, I filed a Police Report ( XXXX XXXX. XXXX ), which documents the fraudulent activity. I then submitted this report to Equifax along with my written dispute. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), when a consumer provides a valid identity theft report, a credit reporting agency is legally required to block and delete the disputed information within XXXX ( XXXX ) business days, unless it can verify the data is accurate and authorized. 

Despite providing proper documentation, Equifax failed to delete or block these unauthorized accounts. 
Each of these accounts represents an impermissible access and reporting of my private credit data, violating FCRA Section 604 ( 15 U.S.C. 1681b ), which restricts access to credit information without a valid permissible purpose. 

Additionally, Equifaxs handling of my dispute demonstrates noncompliance with several other FCRA provisions, including : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

Section 611 ( a ) ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable investigation and delete unverifiable information within 30 days.

Section 611 ( a ) ( 5 ) ( B ) : Failure to follow mandatory procedures if deleted information is later reinserted without certification or written notice. 

Equifaxs reporting also violates XXXX XXXX XXXX standards, which require that all furnished data be complete, accurate, consistent, and verifiable. These accounts fail those requirements because : They are inaccurate and unauthorized. 

The inquiries have no permissible purpose. 

There is no documentation verifying consumer authorization. 

The continued appearance of these accounts has caused significant financial harm, including : Mortgage denial due to the presence of these accounts. 

Auto loan approval at an excessively high interest rate. 

Credit card denial, which triggered additional hard inquiries, further lowering my credit score. 

Time loss and financial stress, as Ive had to gather documents, file reports, and contact agencies to fix information that should never have been reported. 

This situation is not a simple clerical error ; it is a willful violation of federal law under 15 U.S.C. 1681n, causing direct and measurable harm to my financial standing and credit reputation.

Company response to consumer: Closed with non-monetary relief