Consumer complaint received 2025-10-21 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 reviewed my credit report and found something that really concerns me. Theres an account reporting ( XXXX XXXX XXXX, Account Number : XXXX ) and another one ( XXXX, Account Number : XXXX ) that I never authorized. 
I did not open these accounts, I did not give permission for them to appear on my credit file, and I never consented to them being reported to any credit bureau. 

In addition, there is an unauthorized hard inquiry from XXXX ( XX/XX/year> ) on my credit report. I never applied for any credit or service that would justify this inquiry. 

To formally document this situation, I filed a Police Report ( XXXX XXXX. XXXX ) confirming that these accounts and inquiries were not authorized by me and may have resulted from identity theft or misuse of my personal information. 

Despite having provided this valid police report and documentation directly to Equifax, these unauthorized accounts and inquiries remain on my credit report. This continued presence violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused measurable harm to my credit and finances. 

LEGAL VIOLATIONS : After extensive review of the Fair Credit Reporting Act ( FCRA ), I identified multiple violations committed by Equifax and the furnishers involved : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : A consumers credit file may only be accessed or reported for lawful permissible purposes. These accounts and inquiries were reported without my consent or authorization, meaning they were obtained and disclosed unlawfully. This constitutes a direct violation of Section 604, as my personal credit information was used without a legitimate basis.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking of Disputed Information : Once a valid identity-theft report is submitted, the credit bureau must block the disputed information within four ( 4 ) business days. Despite receiving my Police Report ( XXXX XXXX. XXXX ), Equifax has failed to block and delete the unauthorized items, continuing to report them and causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Equifax is legally required to maintain reasonable procedures to assure maximum possible accuracy in its reporting. Listing accounts and inquiries that I never authorized demonstrates a clear failure to comply with this obligation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate : Upon receiving a dispute, the credit bureau must reinvestigate and delete any information it can not verify with documentation. No written proof has been provided showing I opened or authorized these accounts. The continued reporting of unverifiable data is a violation of this section.

Additionally, according to CDIA Metro 2 standards, all reported data must be complete, accurate, consistent, and current. The disputed items fail these standards because : They are inaccurate ( I never authorized them ) The inquiry lacks permissible purpose No documentation exists to support their inclusion Under both FCRA and Metro 2, this data is invalid and must be deleted.

PERSONAL IMPACT : This is not a minor reporting error it has severely affected my financial life : I was denied a mortgage, and the loan officer specifically cited these unauthorized accounts as the reason. 

When I did manage to get vehicle financing, I was charged an excessively high interest rate compared to what I should qualify for. 

I was denied a credit card because my score was lowered by these fraudulent entries. 

I was denied an apartment rental, forcing me to search elsewhere while explaining an issue I did not cause. 

My insurance premiums increased because of credit-based risk pricing, directly tied to this inaccurate data. 

These errors have caused real financial damage, emotional distress, and continuous anxiety. I have spent numerous hours gathering evidence, filing reports, and contacting Equifax, only to see no resolution. My ability to access fair credit and manage my finances responsibly has been severely impacted.

Company response to consumer: Closed with explanation