Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am submitting my FTC Identity Theft Report ( # XXXX ) along with my government-issued ID, proof of address, and this written statement. I am a victim of identity theft and did not authorize the fraudulent credit card and collection accounts currently appearing on my Equifax credit report. I have disputed these items multiple times, but they continue to be reported without documented validation or proper removal. Some accounts were marked closed but never deleted, in violation of the Fair Credit Reporting Act ( FCRA ), including 1681c-2. Due to the FTC portals limitation of five items per report, only a portion of the fraudulent accounts were listed in the original FTC filing. However, all XXXX accounts detailed here are part of the same identity theft event and are formally included in this dispute under FCRA 1681c-2 ( Section 605B ). I request that Equifax treat this as a unified identity theft dispute and block all associated tradelines accordingly. Under Metro 2 credit reporting standards, furnishers must report data with accuracy and integrity, and tradelines resulting from identity misuse or lacking verifiable contracts must not be verified without documented proof. Additionally, no XXXX XXXX of XXXX forms were issued for accounts with balances over {$600.00}, which violates IRS regulations XXXX The fraudulent accounts include XXXX XXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$890.00} ; XXXX XXXX XXXX with accounts ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, last reported XXXX and XX/XX/XXXX, with balances of {$1100.00}, {$620.00}, and {$580.00} respectively ; XXXX XXXX  with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$1900.00} ; XXXX XXXX with accounts ending in XXXX XXXX XXXX XXXX XXXX, last reported XXXX and XX/XX/XXXX, with balances of {$2100.00} and {$3700.00} ; XXXX XXXX XXXX XXXX  with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$580.00} ; XXXX XXXX XXXX XXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$450.00} ; XXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$630.00} ; XXXX XXXXXXXX XXXX XXXX XXXX with accounts ending in XXXX XXXX XXXX XXXX XXXXXXXX, last reported XX/XX/XXXX, balances {$440.00} and {$500.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$3700.00} ; and XXXX XXXX XXXX  with account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$820.00}. I am requesting the immediate and permanent deletion of these accounts from my Equifax credit file under FCRA 1681c-2 and written confirmation that none will be reinserted unless all requirements under 1681c-2 ( d ) are met. I also want to note that my personal data was exposed in the XXXX Equifax data breach, which increases the likelihood that these fraudulent accounts resulted from unauthorized use of my identity. Equifax has a heightened duty to prevent continued reporting of inaccurate information stemming from that breach. Continued verification or reinsertion of these accounts without proper legal documentation may constitute willful noncompliance under FCRA 1681n and 1681o. I request a full investigation and written confirmation that each account has been permanently removed and will not be reinserted without my explicit written consent and full legal validation.

Company response to consumer: Closed with non-monetary relief