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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this urgent and formal complaint to report a clear and egregious case of identity theft that has resulted in multiple fraudulent accounts being opened in my name without my knowledge, authorization, or consent. These accounts have appeared on my credit profile and are causing significant and ongoing harm to my financial standing, reputation, and personal security. I have never applied for, initiated, or authorized the opening of the accounts in question. Their very existence on my consumer reports is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as the Fair and Accurate Credit Transactions Act ( FACTA ). These laws strictly prohibit the inclusion of inaccurate or unverifiable information on a consumers credit file. Despite my clear non-involvement, these fraudulent accounts and related inquiries continue to appear, misrepresenting my creditworthiness to potential lenders, landlords, and other institutions. This constitutes defamation of character, negligent reporting, and failure to uphold the consumer protections guaranteed to me under federal law. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), have obtained police documentation, and have taken all necessary steps to verify my identity with each credit bureau. The continuation of these derogatory items on my reports after notification is an unacceptable breach of my rights. I am submitting this urgent and formal complaint to report a clear and egregious case of identity theft that has resulted in multiple fraudulent accounts being opened in my name without my knowledge, authorization, or consent. These accounts have appeared on my credit profile and are causing significant and ongoing harm to my financial standing, reputation, and personal security. I have never applied for, initiated, or authorized the opening of the accounts in question. Their very existence on my consumer reports is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as the Fair and Accurate Credit Transactions Act ( FACTA ). These laws strictly prohibit the inclusion of inaccurate or unverifiable information on a consumers credit file. Despite my clear non-involvement, these fraudulent accounts and related inquiries continue to appear, misrepresenting my creditworthiness to potential lenders, landlords, and other institutions. This constitutes defamation of character, negligent reporting, and failure to uphold the consumer protections guaranteed to me under federal law. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), have obtained police documentation, and have taken all necessary steps to verify my identity with each credit bureau. The continuation of these derogatory items on my reports after notification is an unacceptable breach of my rights.

Company response to consumer: Closed with explanation