Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: OH
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:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost urgency regarding fraudulent accounts that have been erroneously included in my credit reports from XXXX, Equifax, and XXXX. I am a victim of identity theft, and I kindly request that you take immediate action to delete these fraudulent accounts from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Account Details 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 - Balance : {$0.00} First and foremost, I want to emphasize that I have never had any dealings with the aforementioned creditors or initiated any accounts with them. The inclusion of these accounts on my credit reports is completely unwarranted, and I have been deeply disturbed by the negative impact it has had on my financial reputation and overall well-being. 

Upon reviewing my credit reports, I was shocked to discover these fraudulent accounts. I believe that the fraud occurred during the period of XX/XX/XXXX to XX/XX/XXXX, which is when the fraudulent activity took place. During that time, I had no reason to suspect any fraudulent actions, as I was not aware of any suspicious activities related to my personal information or financial accounts. It is distressing to acknowledge that these fraudulent accounts remained undetected for such an extended period, but I assure you that I had no knowledge or involvement in their creation. 

Furthermore, I would like to bring to your attention the discrepancy in the name associated with these fraudulent accounts. I suspect that this discrepancy is a result of the fraudulent actions taken by the identity thief. To rectify this, I have attached copies of my valid identification documents, including my Social Security Number ( SSN ), which clearly display my correct legal name. I trust that this evidence will facilitate the correction of my personal information on all relevant credit reports.

As a victim of identity theft, I am well aware of my rights under the FCRA. According to Section 605B, I am entitled to request the deletion of inaccurate, misleading, or fraudulent information from my credit reports. I kindly request that you exercise your authority and expertise to ensure the immediate removal of the aforementioned fraudulent accounts from my credit reports held by XXXX, Equifax, and XXXX. This will not only restore my financial integrity but also provide me with the peace of mind I deserve. 

I kindly request that you provide me with written confirmation of the actions taken to address this matter within the timeframe prescribed by law. Additionally, I appreciate your assistance in providing guidance on any further steps I should take to protect myself from future incidents of identity theft. 

I sincerely appreciate your prompt attention to this urgent matter. If you require any additional information or documentation to expedite the resolution process, please do not hesitate to contact me at the above-stated contact details. I am fully committed to cooperating with your office to rectify this unfortunate situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the restoration of my credit reports to their accurate and rightful state. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation