Consumer complaint received 2025-09-19 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.

Complaint narrative:
Description of Incident : I am reporting a severe case of systemic fraud, identity theft, and widespread manipulation of my credit file across multiple financial institutions and credit reporting agencies. 

What Happened : In early XXXX, I discovered that my credit reports from all major credit bureaus had been severely and artificially damaged by the fabrication of numerous fraudulent loan accounts. This was not an isolated error but a coordinated scheme involving both legitimate and seemingly fictitious financial entities. 

The fraud manifests as a complex web of duplicate and fabricated accounts. A single underlying loan application appears to have been systematically replicated and reported under multiple, often suspicious, lender names. Key patterns of the fraud include : Entity Proliferation : The same loan is reported under multiple lender names, both legitimate and unregistered. 

Account Number Cloning : Identical or systematically varied account numbers are used across different, unrelated lenders. For example, XXXX specific, lengthy account number ( e.g., XXXX ) was assigned to me by XXXX completely different RBI-registered companies. 

Use of Fictitious Lenders : Loans and hard inquiries are appearing on my report from entities that do not appear to be legitimately registered with the national financial regulator ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Data-Swapping : Legitimate, well-known lenders are shown as reporting accounts that were ostensibly disbursed by obscure or suspended entities, indicating a potential abuse of co-lending or data-passing practices without my consent. 

This activity has resulted in over XXXX fabricated accounts appearing on my combined credit reports and the creation of fraudulent overdue amounts exceeding a significant sum ( equivalent to several XXXX dollars ). This has artificially crashed my credit scores, directly leading to the denial of legitimate credit applications and causing significant financial hardship and distress. 

Timeline & My Actions : XXXX ( XXXX XXXX  ) : I obtained my credit reports from multiple bureaus and discovered the extensive fraudulent activity. 

Dispute Actions ( Throughout XXXX  ) : I immediately filed formal disputes with the relevant credit bureaus ( e.g., Equifax, Experian ) challenging the inaccurate accounts, duplicates, and inquiries from unknown companies. 

Lender Contact Attempts : I have also attempted to contact the lenders named on the reports to contest the validity of the debts. 

Current Status : The disputes have not resolved the core issue. The systemic, cross-bureau nature of the fraud suggests it is beyond the scope of standard bureau disputes and indicates a failure in the data furnishing and validation processes of the involved companies. The fraudulent accounts remain, and my creditworthiness continues to be harmed. 

Desired Resolution : I believe this constitutes a severe violation of my rights under fair credit reporting laws. I am seeking : The immediate and complete deletion of all fraudulent, duplicate, and inaccurate accounts and inquiries from my credit files at all bureaus. 

A comprehensive investigation by the relevant authorities into the implicated lenders and data furnishers for their role in this systemic data manipulation and identity theft. 

Correction of my credit scores to their accurate, unaffected state. 

Compensation for the financial damages and costs incurred due to the denial of credit and the extensive effort required to resolve this matter. 

This situation represents a critical failure in the integrity of the credit reporting system and requires urgent intervention.

Company response to consumer: Closed with explanation