Consumer complaint received 2023-05-20
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Identity Theft and Request for Removal of Fraudulent Accounts I am writing to bring to your attention a case of identity theft that has resulted in fraudulent accounts appearing on my credit report maintained by your bureau. As a victim of this crime, I kindly request your immediate assistance in investigating and removing the following unauthorized and inaccurate items from my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : Account Name : ONLINE INFORMATION SERVI Account Number : XXXX Amount : {$540.00} Inaccuracy : This account is not mine, and it has been opened fraudulently using my personal information without my knowledge or consent. I request that you take immediate action to remove this account from my credit report and provide me with any information you may uncover regarding the perpetrator.

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Amount : {$5300.00} Inaccuracy : I have never had any dealings with this creditor, and the existence of this account is a result of identity theft. I ask that you thoroughly investigate and remove this fraudulent account from my credit report, along with any associated negative information. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Amount : {$4200.00} Inaccuracy : This account was opened fraudulently in my name, and I have never been a customer of the mentioned creditor. I urge you to take immediate action to remove this fraudulent account from my credit report and initiate an investigation into the unauthorized use of my personal information. 

In support of my dispute, I have enclosed copies of the identity theft report I filed with the relevant authorities, as well as any additional documentation substantiating my claim. I request that you conduct a comprehensive investigation into these matters and provide me with a written response within the timeframe stipulated by law. 

As mandated by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I expect you to promptly contact the respective creditors and verify the fraudulent information. It is imperative that you take all necessary steps to ensure the complete removal of these fraudulent accounts from my credit report, as they are tarnishing my creditworthiness and causing significant distress. 

Moreover, I urge you to implement appropriate security measures to prevent the re-reporting of these fraudulent accounts to any third parties, as this could perpetuate the harm caused by the identity theft. I request that you keep me informed in writing of the actions you have taken to address this matter. 

I appreciate your immediate attention to this dispute and your commitment to upholding consumer rights. I trust that you will handle this case with the utmost professionalism and in strict compliance with applicable laws. I look forward to receiving your written response within the statutory timeframe of 30 days.

Company response to consumer: Closed with explanation