Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
FCRA 604, 609, 611 ; NC UDTPA ( N.C. Gen. Stat. 75-50 et seq. ) ; Violations 15 USC 1681 ( s ) -2 ; 15 USC 1681e ( b ) ; 15 USC 1681i ( 5 ) ( a ) ; 15 USC 1681i ( 7 ) Victim of : Equifax Data Breach ( Case No. XXXX ) XXXX  XXXX & XXXX XXXX I XXXX XXXX XXXX, North Carolina Consumer, has been impacted by Equifax and other data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All of the student loan information listed below were without my authorization, consent, or signature, either electronic or wet-ink and is erroneous, inaccurate.

b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit files.

Without my authorization, the following fraudulently information is on my credit file, and I have never provided any permission for access to my credit files, nor applied for these loans and for accounts to be established in my name.

Furnisher Accuracy Violations ( 15 U.S.C. 1681s-2 ( a ) ) The following student loan accounts contain material inaccuracies and appear to lack proper verification : XXXX # XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Outdated/Erroneous Information XXXX. Acct # XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Unverified Account Details XXXX. Acct # XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Date Inconsistencies XXXX. Acct # XXXX  XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Duplicate Reporting Suspected XXXX. Acct # XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Account Status Errors XXXX. Acct # XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Furnisher Data Inaccuracies XXXX. Acct # XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Verification Issues XXXX. Acct # XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Duplicate Account Numbers XXXX. Acct # XXXX XXXX  XXXX ( Opened : XX/XX/XXXX ) - Unsubstantiated Information TOTAL : XXXX disputed student loan accounts spanning XXXX FAIR CREDIT REPORTING ACT ( FCRA ) VIOLATIONS * * 15 U.S.C. 1681e ( b ) : Reasonable Procedures : * * Equifax failed to follow reasonable procedures to assure maximum possible accuracy of consumer information by reporting unverified debt information, failing to conduct adequate investigation of consumer disputes, and continuing to report disputed information without proper verification. 

* * 15 U.S.C. 1681i : Dispute Procedures : * * Equifax violated dispute investigation requirements by failing to conduct reasonable investigation of disputed items, providing inadequate responses to legitimate consumer disputes and reporting information as verified without obtaining proper documentation from furnisher * * 15 U.S.C. 1681s-2 ( b ) - Duties Upon Receiving Notice of Dispute : * * Equifax failed to properly investigate disputes and remove unverifiable information I further assert that Equifax, INC has failed to provide an effective investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

Company response to consumer: Closed with explanation