Consumer complaint received 2023-08-07
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:
Dear Sir/Madam, I am writing this letter to bring to your attention a matter of utmost importance concerning fraudulent accounts listed on my XXXX, Equifax, and XXXX credit reports. I have recently discovered that my identity has been compromised, and these accounts have been opened without my knowledge or consent. I am a victim of identity theft, and I am seeking your assistance in resolving this distressing situation. 

Below is a list of the fraudulent accounts appearing on my credit reports : 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to assert my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Act to dispute the accuracy of these accounts. I have never initiated any transactions or applied for loans or credit cards with the listed creditors during the specified periods. Here are some realistic reasons why it is impossible for me to have obtained loans from these creditors : 1.Geographical Constraints : I have been residing in another place for the entire duration of the listed accounts, which were reportedly opened in various other states. The geographical distance makes it implausible for me to have established credit relationships in those areas. 

2.Employment Records : My employment records will attest that I have been consistently employed. My steady employment proves that I had no reason to seek credit from unknown entities. 

3.Existing Credit History : My credit history with reputable creditors, as shown on my credit report, reflects responsible financial behavior and no defaults or late payments. The sudden appearance of these questionable accounts is inconsistent with my established credit pattern.

4.Communication with Creditors : Upon discovering these fraudulent accounts, I immediately contacted the creditors involved. Each creditor has confirmed that the accounts were opened without any valid identification and were indeed the result of identity theft. 

In light of the evidence presented, I kindly request that you take the necessary steps to initiate an investigation into these fraudulent accounts. I am confident that upon careful examination, the inaccuracies and discrepancies will be apparent, and these accounts will be promptly removed from my credit reports. 

Please consider this matter with utmost urgency, as the presence of these fraudulent accounts has already caused significant distress and potential harm to my financial well-being. I look forward to your prompt assistance in resolving this matter and restoring the accuracy of my credit reports. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation