Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ny, XXXX. 
Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Demand for Deletion of Unauthorized and Inaccurate Credit Accounts To Whom It May Concern : I am writing regarding my Equifax credit report, confirmation # XXXX, dated XX/XX/XXXX. Upon review, I do not recognize several accounts reported in my credit file, and these accounts are negatively affecting my credit score, preventing me from achieving optimal credit health, including my goal of attaining an XXXX credit score. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., consumer reporting agencies are required to : 1. Ensure maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ).

2. Promptly investigate any disputed item when notified by a consumer ( 15 U.S.C. 1681i ( a ) ).

3. Correct or delete any information that can not be verified as accurate ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 
Disputed Accounts ( Not Recognized by XXXX ) : XXXX. XXXX XXXX XXXX Closed a. Balance : {$160.00} XXXX  Reported : XX/XX/XXXX XXXX XXXX : XXXX Account XXXX. XXXX XXXX Closed a. Balance : {$630.00} b. Reported : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX  Past Due a. Balance : {$5300.00} b. Reported : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX Closed a. Balance : {$290.00} b. Reported : XX/XX/XXXX XXXX XXXX : Pays As Agreed XXXX. XXXX XXXX, XXXX Closed a. Balance : {$240.00} b. Reported : XX/XX/XXXX XXXX XXXX : Paid and Closed XXXX XXXX XXXX XXXXXXXX Closed a. Balance : {$0.00} b. Reported : XX/XX/XXXX XXXX XXXX : Pays As Agreed These accounts are either unauthorized, inaccurate, outdated, or unverifiable. Continuing to report these items violates the FCRA and subjects Equifax to the following penalties under federal law : Actual damages for any harm caused by the inaccurate reporting ( 15 U.S.C. 1681n ( a ) ( 1 ) ).

Statutory damages of up to {$1000.00} per violation for willful noncompliance ( 15 U.S.C. 1681n ( a ) ( 1 ) ).

Punitive damages for willful violations ( 15 U.S.C.

1681n ( a ) ( 2 ) ).

Attorneys fees and costs incurred to enforce my rights ( 15 U.S.C. 1681n ( a ) ( 3 ) ).

Demand : I hereby demand that Equifax : 1. Conduct a full investigation of each disputed account.

2. Delete all accounts that are not recognized, inaccurate, or unverifiable from my credit report.

3. Provide written confirmation of deletion or correction within 30 days, as required by federal law. 

Failure to comply will leave me with no choice but to pursue all legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking civil damages in federal court. 

Please treat this matter as urgent. I expect written confirmation that all disputed and unauthorized accounts have been removed or corrected. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief