Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and discovered several unauthorized and inaccurate accounts that I never consented to be opened, reported, or furnished to any credit reporting agency. These accounts were added without my knowledge or authorization and have caused direct harm to my creditworthiness and financial reputation. 

The unauthorized accounts appearing on my credit file are as follows XXXX XXXX XXXX & XXXX Account No. : XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX Account XXXX. : XXXX In addition, Equifax is reporting hard inquiries that I never authorized or permitted, specifically : XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX At no time did I give written authorization, verifiable electronic consent, or any permissible purpose to these furnishers or entities to access or report my credit file. Their inclusion represents an unauthorized disclosure of non-public personal information and a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

LEGAL VIOLATIONS : FCRA Section XXXX ( 15 U.S.C. XXXXb ) Lack of Permissible Purpose Under the FCRA, no entity may access or report consumer credit information without a lawful permissible purpose. The inclusion of these accounts and inquiries, without my express consent or any supporting documentation of authorization, constitutes a direct violation of XXXX and represents the unlawful use and disclosure of my private credit information. 

FCRA Section XXXX ( 15 U.S.C. XXXX ) Blocking Disputed Information When a consumer provides valid identity theft documentation, the credit reporting agency must block and delete such information within XXXX ( XXXX ) business days. I have submitted a valid Police Report ( Case XXXX. : XXXX ) as my identity theft report, which clearly identifies these unauthorized accounts. Despite this, Equifax continues to report them, in violation of XXXX and the agencys federal obligations to block and delete unverified information. 

FCRA Section XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) Maximum Possible Accuracy Equifax has failed to follow reasonable procedures to ensure maximum possible accuracy. Reporting unauthorized accounts and inquiries that can not be verified with documentary proof violates this standard. The continued presence of these items demonstrates a failure to maintain data integrity and compliance with XXXX ( b ). 

FCRA Section XXXX ( 15 U.S.C. XXXXi ) Reinvestigation Duty Upon receiving a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. The lack of verifiable consent or supporting documentation from furnishers demonstrates that Equifax has failed to meet its reinvestigation duties under XXXX. 

FCRA Section XXXX ( XXXX ) Protection of Non-Public Personal Information Maintaining and disseminating unauthorized credit data constitutes an invasion of consumer privacy and an unlawful exposure of personal financial information. Equifaxs continued publication of unauthorized data violates this protection. 

Non-Compliance with Metro 2 Standards Under the XXXXMetro 2 Data Reporting Standards, all furnished data must be complete, accurate, consistent, and current. In this case : The accounts listed above are unauthorized and inaccurate. 

The hard inquiries lack permissible purpose and required Metro 2 data fields.

The absence of verifiable documentation breaches Metro 2s Data Integrity and Accuracy obligations. 

These issues confirm the data reported by Equifax is non-compliant with Metro 2 and inherently inaccurate under the FCRA. 

PERSONAL IMPACT : These unauthorized items have had a significant and measurable impact on my life, including : Denial of legitimate credit applications due to reduced credit scores. 

Increased financing costs and higher interest rates when credit was approved. 

Denial of housing applications based on inaccurate data reported by Equifax. 

Higher insurance premiums resulting from credit-based pricing models. 

Loss of time, financial stress, and emotional distress due to Equifaxs continued reporting of data that should have been deleted under federal law. 

This situation continues to cause harm daily and violates my rights to privacy and accuracy under the FCRA.

Company response to consumer: Closed with non-monetary relief