Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am writing to formally dispute multiple accounts and inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), I have the right to dispute inaccurate, fraudulent, or unverified information. The following accounts and inquiries are not mine, unauthorized, or fraudulent, and I demand a full investigation and immediate correction or deletion from my credit report. 
XXXX XXXX - XXXX XXXX - XXXX Not Mine No knowledge of this account This account has been reported in my credit file without my authorization. I have never applied for, opened, or used any account with XXXX XXXX or XXXX XXXX Its presence is fraudulent and inaccurate. Reporting unauthorized accounts is a violation of FCRA 15 U.S.C. 1681i, and I request this account be verified immediately. If verification can not be provided, this account must be deleted from all my credit reports without delay. 
XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Not Mine No knowledge of this account I have no association with XXXX XXXX XXXX under this account number. I did not authorize, open, or conduct any transactions for this account. Its reporting constitutes fraudulent activity. I demand that XXXX XXXXXXXX XXXX  and all credit reporting agencies investigate this account thoroughly, provide evidence of its validity, and remove it from my report if no proper verification is available. 
DEPT OF ED - XXXX Not Mine No knowledge of this account This account has been falsely reported in my credit file. I have never taken any loans or financial obligations with the Department of Education under this account number. I am not responsible for any alleged balances, delinquencies, or negative reporting. Under FCRA 15 U.S.C. 1681i, I demand an immediate investigation, verification, and removal of this account. 
DEPT OF ED - XXXX Not Mine No knowledge of this account This is another fraudulent entry. I have no association or authorization for this account. Its reporting is inaccurate, misleading, and damaging to my creditworthiness. I require that the reporting agency immediately remove this account unless valid proof of my authorization is provided. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I am disputing this account as unauthorized. I never applied for or accepted any loan under this number. Continuing to report this account as mine is a violation of my rights under the Fair Credit Reporting Act. I request deletion and written confirmation of the correction. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I categorically deny any knowledge of this account. Any negative reporting associated with it is fraudulent and must be corrected immediately. I demand deletion from all credit reporting agencies and full documentation of the investigation. 
DEPT OF ED - XXXX Not Mine No knowledge of this account This account is falsely attributed to me. I have no contractual relationship or financial obligation corresponding to this account number. I insist on immediate deletion unless verified with legal documentation signed by me. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I dispute the legitimacy of this account. I never entered into any agreement or received funds associated with this account. Reporting this as mine is a clear violation of FCRA 15 U.S.C. 1681i. Immediate removal is required. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I have no knowledge or responsibility for this account. Its reporting is inaccurate, misleading, and detrimental to my financial reputation. I require immediate investigation and removal of this entry. 
DEPT OF ED - XXXX Not Mine No knowledge of this account This account has been reported without my consent. I request full verification, and if none can be provided, deletion from my credit file is required immediately. I will not accept any negative impact on my credit from this fraudulent account. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I dispute this account as unauthorized and fraudulent. I have never applied for, received, or made any payments toward this account. FCRA Section 611 mandates its removal unless verified beyond doubt. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I formally deny any association with this account. Reporting this account as mine is illegal and damaging. Immediate correction and deletion from my credit file is required. 
DEPT OF ED - XXXX Not Mine No knowledge of this account This account has been reported without my authorization. I have never applied for, opened, or used any account with the Department of Education under this account number. Its presence is fraudulent and inaccurate. Reporting unauthorized accounts is a violation of FCRA 15 U.S.C. 1681i. Immediate verification or deletion is required. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I have no association with this account. Any negative reporting is inaccurate, misleading, and damaging to my creditworthiness. I demand that the account be removed unless proper verification is provided. 
DEPT OF ED - XXXX Not Mine No knowledge of this account This account is falsely attributed to me. I did not authorize, receive, or make any transactions related to this account. It must be removed immediately if verification can not be produced. 
DEPT OF ED - XXXX Not Mine No knowledge of this account I categorically deny any association with this account. Its reporting is a violation of my rights under FCRA 15 U.S.C. 1681i. I demand deletion and written confirmation.

DEPT OF ED - XXXX Not Mine No knowledge of this account I dispute this account as unauthorized and fraudulent. I have never accepted any financial obligation under this number. Immediate investigation and deletion are required.

DEPT OF ED - XXXX Not Mine No knowledge of this account This account is reported in error. I have no knowledge or responsibility for it. I demand verification or removal as mandated by FCRA. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I did not authorize this credit inquiry with XXXX XXXX  Reporting unauthorized inquiries is a violation of FCRA. I demand removal of this inquiry from my credit report immediately. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I have no knowledge or authorization of this inquiry. Its presence is inaccurate and damaging. Immediate deletion is required. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized This inquiry was not authorized by me. I dispute its validity and request immediate removal. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I did not initiate or approve this inquiry. Its reporting is inaccurate and must be corrected. Immediate removal is demanded. 
XXXX XXXX  XX/XX/XXXX Inquiry Unauthorized This credit inquiry was never authorized. I request its deletion and written confirmation of correction. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I dispute this inquiry as unauthorized. It was never requested or approved by me. Immediate removal is required. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I have no knowledge of this inquiry. Reporting it is inaccurate and harmful. I demand immediate deletion. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I did not authorize this inquiry. Its presence is fraudulent and must be removed from my credit report immediately. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I dispute this inquiry as unauthorized and fraudulent. Immediate deletion is demanded. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized I did not authorize this inquiry and have no knowledge of it. Its reporting is inaccurate and must be corrected immediately. 
I demand that all disputed accounts and inquiries be investigated thoroughly, and any item that can not be verified as legitimately mine or authorized must be deleted immediately from all credit reports. Written confirmation of the investigation, results, and corrective actions is required. 
Failure to comply with FCRA 15 U.S.C. 1681i may result in legal action to enforce my rights and recover damages for harm caused by inaccurate reporting.

Company response to consumer: Closed with explanation