Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Inaccurate Credit Report Information & Identity Theft Notification under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and FTC Guidelines To Whom It May Concern, I am writing to formally notify you of identity theft and to dispute inaccurate and unauthorized information appearing on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal laws and the guidance of the Federal Trade Commission ( FTC ). 
I have recently obtained a copy of my credit report and discovered accounts and inquiries that I did not authorize and that are not a result of any action I have taken. I believe these items are the result of identity theft and are reported in error. This information has negatively affected my creditworthiness, and I am requesting the immediate investigation and removal of all fraudulent and inaccurate items from my credit file. 
Detailed List of Disputed Information, And the Credit Bureau ( s ) reporting inaccurate information : Credit bureau ( s ) : Experian, TransUnion. 

Creditor : Discovercard Date opened : XX/XX/XXXX Payment Status : Charge off Account Status : Closed Dispute Status : I have tried several times to dispute this. I am given inaccurate information to verify my own identity. Subsequently because of this. I am denied access to my credit report and the ability to dispute my credit report. if I do not accept their false information when trying to verify my identify with me. I am denied access to my credit report and the ability to dispute any of my personal information. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : [ Unknown ] Dispute Status : I have tried several times to dispute this. I am given inaccurate information to verify my own identity. Subsequently because of this. I am denied access to my credit report and the ability to dispute my credit report. if I do not accept their false information when trying to verify my identify with me. I am denied access to my credit report and the ability to dispute any of my personal information. 

Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Date Reported : [ Unknown ] Dispute Status : I have tried several times to dispute this. I am given inaccurate information to verify my own identity. Subsequently because of this. I am denied access to my credit report and the ability to dispute my credit report. if I do not accept their false information when trying to verify my identify with me. I am denied access to my credit report and the ability to dispute any of my personal information. 

Addresses : XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX Date Reported : [ Unknown ] Dispute Status : I have tried several times to dispute this. I am given inaccurate information to verify my own identity. Subsequently because of this. I am denied access to my credit report and the ability to dispute my credit report. if I do not accept their false information when trying to verify my identify with me. I am denied access to my credit report and the ability to dispute any of my personal information. 
Inquiry XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Reported : XX/XX/XXXX Dispute Status : I have tried several times to dispute this. I am given inaccurate information to verify my own identity. Subsequently because of this. I am denied access to my credit report and the ability to dispute my credit report. if I do not accept their false information when trying to verify my identify with me. I am denied access to my credit report and the ability to dispute any of my personal information. 

Special Message : INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/XXXX Date Reported : [ Unknown ] Dispute Status : I have tried several times to dispute this. I am given inaccurate information to verify my own identity. Subsequently because of this. I am denied access to my credit report and the ability to dispute my credit report. if I do not accept their false information when trying to verify my identify with me. I am denied access to my credit report and the ability to dispute any of my personal information. 

I have contacted the involved credit bureaus over the phone and online in attempts to filed a dispute regarding the inaccurate information. I have reported the identity theft to the Federal Trade Commission by completing an Identity Theft Report at XXXX. 
To support my claim and to assist your investigation, I have enclosed copies of the following documents : Government-issued photo ID ( drivers license ) Proof of address ( Credit Card statement ) Identity Theft Report from FTC I respectfully request that the Consumer Financial Protection Bureau : Investigate the fraudulent and inaccurate information reported on my credit file Ensure that the credit bureaus and any relevant data furnishers comply with the obligations under the FCRA, FDCPA, and other applicable federal laws Direct the credit bureaus to remove all fraudulent and inaccurate items resulting from identity theft Provide me with written confirmation of the actions taken and the results of any investigation I trust that the CFPB will act promptly to protect consumers as required under federal law. Please confirm receipt of this letter and keep me informed throughout your investigation. If you require any additional information or clarification, I am available at the contact information provided above. 
Thank you for your attention to this urgent matter. 
Sincerely,

Company response to consumer: Closed with explanation