Credit reporting or other personal consumer reports — EQUIFAX, INC. (IL)

Information belongs to someone else. In 2021, I lost my wallet in a grocery store, and soon after, a fraudulent auto loan from XXXX XXXX appeared on my credit report. I never applied for or authorized any account with this company. This fake loan has seriously damaged my credit and caused ongoing financial harm. I filed a police report for identity theft and submitted disputes with all three credit bureaus and XXXX XXXX, along with documentation proving the account is fraudulent. Despite this, XXXX has refused to validate or delete the account and continues to report false information. Their failure to properly investigate and respond violates the Fair Credit Reporting Act ( FCRA ) and possibly the Equal Credit Opportunity Act ( ECOA ). This negligence and lack of accountability ar