Consumer complaint received 2025-03-21 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: AZ

Complaint narrative:
Subject : Formal Complaint Against Equifax Unauthorized Reporting of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for the erroneous reporting of the following accounts on my Equifax credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts do not belong to me, nor have I ever authorized them. Their presence on my credit report is a clear violation of federal consumer protection laws, and I am demanding their immediate and permanent removal. 
Legal Violations and Grounds for Removal 1. Violation of 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. Since these accounts do not belong to me, Equifax has failed to uphold its responsibility, making their reporting unlawful. 

2. Violation of 15 U.S.C. 1681i Duty to Conduct a Proper Investigation The FCRA mandates that when a consumer disputes an account, the credit bureau must conduct a thorough reinvestigation and remove any unverifiable or incorrect information. As these accounts are fraudulent or misattributed, Equifax must immediately delete them. 

3. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of Financial Information The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from disclosing consumer information without proper authorization. By reporting accounts that are not mine, Equifax has violated my right to privacy and wrongfully associated third-party financial data with my credit file. 

4. Violation of 31 U.S.C. 5118 Legal Tender and Debt Misidentification This statute establishes that debts must be properly identified and verified before being enforced. Because these accounts are not mine, their presence on my report constitutes misidentification of debt, rendering their reporting invalid and illegal.

Demand for Resolution To resolve this issue, I am demanding the immediate deletion of the following accounts from my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request : A written confirmation from Equifax stating that these accounts have been permanently removed from my credit report.

A full explanation of how Equifax initially verified and reported these accounts under my file.

Failure to comply will result in escalating my complaint to the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and pursuing legal action under 15 U.S.C. 1681n and 1681o for willful and negligent violations of federal law. 

Please provide a written response within 30 days, as required by law. I have attached supporting documentation to assist with your investigation. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation