Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Date : XX/XX/XXXXXXXX XXXX XXXX  To : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Dispute Unauthorized Accounts Reporting on Equifax Credit Report Dear Equifax and Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized and fraudulent accounts currently appearing on my Equifax credit report, which I discovered after accessing my file through XXXX XXXX. I was alarmed to see accounts listed under my name that I have never opened, authorized, or had any knowledge of. 
I am a hairstylist by trade and have operated primarily on a cash basis for most of my adult life. As a result, I have never previously used or needed credit. I am not someone who applies for loans or lines of credit, which is why the accounts currently showing on my Equifax report are clearly not mine. 
I recently learned that Ive been a victim of multiple data breaches, including the Equifax breach, which likely led to the exposure and misuse of my personal information. This unauthorized use of my identity has resulted in accounts being fraudulently opened in my name without my consent. These tradelines are now harming my credit profile and misrepresenting my financial history. 
To support my identity theft claim and confirm my identity, I have enclosed the following : A copy of my FTC Identity Theft Report A copy of my government-issued ID A copy of my Social Security card Legal Basis and Applicable Consumer Protection Laws : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The following statutes are relevant to this dispute : 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting accounts that do not belong to me violates this obligation. 
15 U.S.C. 1681b Permissible Purpose No account should be reported or accessed unless there is a legally permissible purpose. These accounts were opened fraudulently and without my authorization, therefore violating this provision.

15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft Equifax is required to permanently block any information resulting from identity theft upon receipt of appropriate documentation. The FTC Identity Theft Report and ID Ive submitted satisfy this requirement.

Regulation F Debt Collection Rule under the FDCPA If any of these accounts have been placed in collections, the debt collectors must comply with validation and communication restrictions outlined in Regulation F. Any collection activity or reporting on fraudulent debt would violate this rule.

31 U.S.C. 5118 Legal Tender and Discharge of Debt While primarily related to discharge of obligations, this statute supports my right to challenge debts that were never validly incurred under my name and social security number.

15 U.S.C. 1681n & 1681o Civil Liability for Noncompliance Any willful or negligent failure to comply with FCRA requirements may result in Equifax being held liable for actual damages, statutory damages, punitive damages, and legal costs.

My Formal Requests : 1. Immediately and permanently delete all unauthorized accounts from my Equifax credit file 2. Block these accounts from being reinserted into my report in the future, as required under 15 U.S.C. 1681c-2 3. Provide me with a written confirmation that the disputed accounts have been removed and will not reappear 4. Disclose the furnishers of the disputed accounts, including the source and method used to verify them 5. Ensure that Equifaxs procedures moving forward remain in full compliance with FCRA and applicable consumer protection laws Below is a list of the fraudulent accounts that I would like to have permanently deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} This situation is the result of a serious security failure and continued misreporting that has caused substantial harm to my personal and financial well-being. I expect a thorough and lawful resolution. I trust that the Consumer Financial Protection Bureau will oversee this process and take appropriate action if Equifax fails to comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief