Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint because my credit report contains multiple fraudulent accounts and unauthorized hard inquiries that I did not authorize and that resulted from identity theft. I discovered these issues during a review of my credit reports and immediately submitted FTC Identity Theft Reports along with written disputes to the credit bureau. The bureau has not properly corrected the information, and I am requesting that this matter be manually reviewed in detail.

Under 15 USC 1681b, I never granted permissible purpose for these companies to access my credit report. Under 15 USC 1681i and 1681c-2, I provided all required documents, including my FTC Identity Theft Reports, identification, and written statements identifying each fraudulent item. Despite this, the items remain and continue to harm my credit profile. 

The unauthorized hard inquiries that do NOT belong to me include : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, the following accounts appearing on my report are fraudulent, inaccurate, and NOT mine. I never opened, authorized, or signed for these accounts, and I identified them in my FTC Identity Theft Reports : XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX  Account Number XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Numbers XXXX, XXXX, and XXXX These accounts violate 15 USC 1681s-2 because the information is inaccurate and was reported without my authorization. At no time did I receive clear, conspicuous disclosures or any opt-out options regarding credit reporting, and I did not authorize any financial institution to transfer or use my nonpublic personal information.

I also submitted written letters requesting a block and deletion of all fraudulent information within the required 4 business days under 15 USC 1681c-2. I requested verification procedures as required under 15 USC 1681i. The bureau has not complied.

Because this involves identity theft, multiple fraudulent accounts, and numerous unauthorized inquiries, I am requesting a manual investigation and manual review of every disputed item. Automated systems have failed to correct the problem, and the continued reporting of this fraudulent information is causing serious financial harm. 

I am requesting that all unauthorized inquiries and all fraudulent accounts be blocked, deleted, and removed immediately according to federal law.

Company response to consumer: Closed with non-monetary relief