Consumer complaint received 2025-10-13 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: NC

Complaint narrative:
The presence of the inaccuracy due to Equifax and XXXX Data Breach, I will be seeking legal action, if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file.

Pursuant to FCRA 1681i, you must verify the accuracy of all disputed items through reasonable investigation. This requires : 1. Original creditor verification with wet ink signatures on credit applications.

2. Valid government-issued identification used to open accounts.

3. Proof of my authorization to establish credit in my name.

4. Verification that items pre-date or post-date the known data breach periods.

5. Direct confirmation from original creditor, not automated verification.

FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT Due to the current federal government shutdown, I am unable to obtain an FTC Identity Theft Report through IdentityTheft.gov.. However, this does NOT diminish my rights under FCRA or relieve you of your statutory obligations. The FCRA does not condition a data breach victims rights on the operational status of government websites. I am providing this written notice of identity theft and fraudulent accounts, which triggers your duties under 15 U.S.C. 1681c-2 to expunge information resulting from identity theft. I note that you previously sent correspondence claiming you couldnt expunge fraudulent information from my credit file.

This response demonstrates either : 1. Willful non-compliance with your statutory obligations under 15 U.S.C. 1681c-2, or 2. Gross negligence in understanding your legal duties under FCRA Your refusal to expunge information resulting from identity theft directly violates federal law. The statute does not give you discretion ; it mandates expungement when a consumer provides notice of identity theft. Your previous refusal will be cited as evidence of willful violation in any legal proceedings. 


I have never given permission for this information and it is fraudulent. 

a ) XXXX XXXX XXXX # XXXX : {$1800.00} Opened XX/XX/XXXX XXXX  ) XXXX XXXX XXXX # XXXX : {$980.00} Opened XX/XX/XXXXXXXX XXXX  ) XXXX XXXXXXXX XXXX XXXXXXXX : {$500.00} Allegedly Opened XX/XX/XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX : {$1900.00} Allegedly Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX : {$1800.00} Allegedly Opened XX/XX/XXXXXXXX XXXX  ) XXXX XXXX  : {$880.00} Allegedly Opened XX/XX/XXXXXXXX XXXX ) XXXX XXXX : {$170.00} Fraud Date XX/XX/XXXX I demand that Equifax : 1. CEASE AND DESIST reporting any unverified information 2. EXPUNGE IMMEDIATELY all fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2

Company response to consumer: Closed with non-monetary relief