Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has allowed Fraudulent Inquiries, and Fraudulent Accounts to be reported on my Equifax Credit Report. Equifax was sent an FTC Identity theft Affidavit which was also sent to the local law enforcement agencies. Equifax, has not conducted an investigation and continues to report the fraudulent accounts, Which are listed below. These accounts were opened as result of identity theft, Which were opened using fraudulent addresses and stolen identification. I did not authorize said accounts, nor did I receive any Monetary benefits from these accounts as I am a victim of identity theft. Equifax should follow the applicable FCRA Laws Since they were also hacked, and partly this identity theft was caused by the Equifax BREACH, Which equifax did nothing about. 

Fraudulent Accounts - XXXX XXXX - Opened XX/XX/XXXX Balance {$2900.00} Credit Limit {$3000.00}. 
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 3 mos ) Credit Limit {$2500.00} Current balance {$2500.00}. 
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Credit limit {$3000.00} Current balance {$1300.00} XX/XX/XXXX - Opened on XX/XX/XXXX ( 1 yrs, 1 mos ) Credit Limit {$15000.00} current balance {$29.00} XXXX XX/XX/XXXX - Opened on JXX/XX/XXXX ( 1 yrs, 1 mos ) Credit limit {$1000.00} Current Balance - {$1100.00} ( Never Authorized Email was compromised they used to apply, never received a card ) XXXX XX/XX/XXXX XXXX Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Credit limit {$10000.00} Current Balance {$3100.00}. 
XX/XX/XXXX - Opened on XX/XX/XXXX ( 1 yrs, 11 mos ) Credit limit {$2000.00} Current Balance {$2300.00} XX/XX/XXXX/XX/XX/XXXX - Opened on XX/XX/XXXX ( 1 yrs, 1 mos ) Credit limit {$500.00} no balance ( Never received, never authorized ) In fact XXXX sent a letter confirming they closed the account as application fraud. 
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 1 mos ) Credit limit {$15000.00} Current balance $ {$15000.00} ( Fraudulent Credit Card Application and Account ) XXXX XXXX - Opened on XX/XX/XXXX ( 6 yrs, 6 mos ) Credit Limit {$500.00} Current Balance {$0.00} ( XXXX XXXX Confirmed this was fraudulent, sent me a letter confirming they closed the account due to identity theft, and then later are reporting it on my credit report ) Again I have a letter from the company. 
XX/XX/XXXX - Says undesignated balance is {$0.00} XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 10 mos ) Credit Limit {$8000.00} Current Balance - {$8300.00} ( Fraudulent Not Authorized, XXXX was used for XXXX on the card as well, which was reported and they allowed the fraudulent charges through and XXXX reimbursed the card but the company didn't investigate the fraud. ). 
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 1 mos ) Balance {$10000.00} Credit Limit {$10000.00} XX/XX/XXXX - Opened on XX/XX/XXXX ( 2 yrs, 0 mos ) {$1100.00} Credit Limit current balance {$1600.00} ( Not Authorized was reported to XXXX XXXX ) XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 0 mos ) {$2600.00} Credit limit current balance {$4600.00} ( Not Authorized card was sent to XXXX XXXX XXXX, XXXX TX XXXX. Which I never was associated with ) XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 7 mos ) Credit Limit {$4800.00} Current Balance {$13000.00} ( Card is fraudulent, Not authorized, Opened from an Identity Thief. Card was not ever received, therefore wasn't used, I do not do business with this institution and never have. ) XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 9 mos ) Original Balance {$15000.00} Current Balance {$15000.00} ( Not Authorized not a member of the military which is required to join ). 
XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 1 mos ) Balance {$11000.00} Highest balance {$12000.00}. Unauthorized, Application was not authorized. Account was not authorized nor signed for by me. 
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Balance {$10000.00} Credit Limit {$10000.00} ( Not Authorized. ) XXXX XXXX XXXX - Opened on XXXX XXXX XXXX ( 1 yrs, 1 mos ) Balance {$9900.00} Highest Balance {$10000.00}. ( Not Authorized. Did not apply for this Account ) XXXX XXXX - Opened on XXXX XXXX XXXX ( 1 yrs, 4 mos ) ( Line of Credit not authorized. ) Current Balance {$9800.00} Credit limit {$9900.00} XXXX  - Opened on XXXX XXXX XXXX ( 1 yrs, 0 mos ) Balance {$8700.00} Credit limit {$9100.00} unsecured loan that was not authorized. 
XXXX XXXX XXXX  - Opened on XXXX XXXX XXXX ( 1 yrs, 2 mos ) Current Balance {$8000.00} Unsecured Loan not authorized. Highest Balance {$8500.00} XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 0 mos ) Unsecured Loan not Authorized Current  Balance {$4400.00} Highest balance {$5000.00} XXXX, XXXX Opened on XX/XX/XXXX ( 1 yrs, 3 mos ) Balance {$3900.00} Highest Balance {$4000.00} Line of Credit Not Authorized. 
XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 5 mos ) Balance {$1900.00} Highest Balance {$1900.00} Line of Credit Not Authorized XXXX XXXX - Opened on XX/XX/XXXX ( 1 yrs, 2 mos ) Balance {$0.00} Highest Balance $ {$8000.00} ( Reported as charge off Bank doesn't exist anymore, and this is not my account was opened fraudulently. ) XXXX NA - Opened onXX/XX/XXXX ( 1 yrs, 3 mos ) Highest Balance {$1000.00} Line of Credit Not Authorized XXXX XXXX XXXX Opened on XX/XX/XXXX ( 1 yrs, 2 mos ) Highest Balance {$0.00} Credit Limit {$4000.00} Line  of Credit UNAUTHORIZED. 
XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX ( 5 yrs, 1 mos ) Balance {$1800.00} Credit Limit $ Not Reported, Line of Credit that was not authorized. Incorrectly Reporting. 
XXXX XXXX - Opened on XX/XX/XXXX ( 9 mos ) Balance {$15000.00} Highest Balance is {$0.00}. Unsecured Loan that was not authorized to be opened nor applied for. 
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 5 yrs, 6 mos ) Balance {$650.00} payment status shows no info, No payments were ever made because I never authorized any accounts from this company nor signed anything for an application. 
XXXX XXXX XXXX XXXX - Opened on XXXX  XXXX, XXXX ( 1 yrs, 3 mos ) Balance {$7600.00} Unsecured loan which was opened Fraudulently. This is not an authorized application nor account. 
XXXX XXXX XXXX - Opened on XX/XX/XXXX ( 11 mos ) Reported Balance {$0.00} Reports as a Charge off. Unsecured LOAN. Which is not authorized was not approved, and was not  applied for by me online. I already advised the company. 

Inquiry - XXXX XXXX XX/XX/XXXX. Fraudulent not authorized. 

As you can see. Equifax has not provided resolution, They are reporting a-lot of Inaccurate information. Which is not authorized, not updated and does not provide details of the crime, they are not assisting in blocking these fraudulent accounts either.

Company response to consumer: Closed with explanation