Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Complaint Regarding Fraudulent Accounts on Equifax Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding fraudulent accounts that have been incorrectly reported on my Equifax credit report. I recently obtained a copy of my credit report and discovered two accounts that do not belong to me. I have no knowledge of these accounts, and they are negatively impacting my creditworthiness. 

Account Details : Account Number : XXXX Account Status : TOO_NEW_TO_RATE Owner : INDIVIDUAL Account Type : REVOLVING Creditor Classification : Loan Type : CHARGE_ACCOUNT Original Creditor Name : [ Unknown ] Months Reviewed : XXXX Activity Designator : PAID Terms Frequency : MONTHLY Term Duration : Purchased From : [ Unknown  ] Sold To : [ Unknown ] Balance : {$0.00} Credit Limit : {$600.00} High Credit : {$0.00} Available Credit : {$600.00} Date Opened : XXXX XXXX, XXXX Date Reported : XXXX XXXX, XXXX Date of Last Activity : [ Unknown ] Account Details : Account Number : XXXX Account Status : CHARGE_OFF Owner : INDIVIDUAL Account Type : REVOLVING Creditor Classification : Loan Type : CHARGE_ACCOUNT Original Creditor Name : [ Unknown ] Months Reviewed : XXXX Activity Designator : TRANSFER_OR_SOLD_OR_PAID Terms Frequency : MONTHLY Term Duration : Purchased From : [ Unknown ] Sold To : [ Unknown ] Balance : {$0.00} Credit Limit : {$200.00} High Credit : {$710.00} Available Credit : {$200.00} Date Opened : XXXX XXXX, XXXX Date Reported : XX/XX/XXXX Date of Last Activity : [ Unknown ] Date of First Delinquency : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Date Assigned : XX/XX/XXXX Original Amount Owed : {$360.00} Amount : {$360.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification : CABLE_OR_CELLULAR  Last Payment Date : [ Unknown ] Date of First Delinquency : XX/XX/XXXX I would like to emphasize that I have never had any dealings with the mentioned creditors or accounts. These accounts are not mine, and I suspect they have been opened fraudulently in my name. I have been a responsible consumer and have diligently maintained my credit history, so the presence of these accounts is alarming and deeply concerning. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take the necessary steps to rectify the fraudulent reporting on my Equifax credit report. I understand that the Fair Credit Reporting Act grants me certain rights as a consumer, including the right to dispute inaccurate information on my credit report and have it corrected promptly. 

In light of this situation, I kindly request the following actions : Initiate an investigation into the fraudulent accounts mentioned above, seeking to uncover the parties responsible for their creation. 
Promptly contact Equifax to remove these accounts from my credit report, as they are erroneous and damaging my creditworthiness. 
Provide me with regular updates regarding the progress of the investigation and any actions taken to resolve this

Company response to consumer: Closed with non-monetary relief