Consumer complaint received 2025-07-31 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.
State: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accountsspecifically Collections, Charge-Offs, Late Payments, and Hard Inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # [ Private Case Number ] ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. The fraudulent accounts include a collection from XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$1100.00} ; a credit card from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$9100.00} ; an auto loan from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, reporting a {$0.00} balance ; an auto lease from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$40000.00} ; a lease from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3900.00} ; a credit card from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1300.00} ; and a credit card from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3700.00}. I respectfully request that Equifax immediately block and delete these fraudulent entries in accordance with the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a collection from XXXX ( {$1100.00}, XX/XX/XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) ; credit cards from XXXXXXXX XXXX ( {$9100.00}, XX/XX/XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}, XX/XX/XXXX, Acct : XXXX * * * * ) ; an auto loan from XXXX ( {$0.00}, XX/XX/XXXX, Acct : XXXX * * * * ) ; and auto leases from XXXX XXXX ( {$40000.00}, XX/XX/XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ), a credit card opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$3700.00}, and XXXX XXXX ( {$3900.00}, XX/XX/XXXX, Acct : XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and derogatory impacts. I demand these fraudulent items be permanently removed from all of my credit reports and that all collection activity cease immediately, as protected under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law XXXX result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief