Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: FL
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 Report Confirmation # : XXXX am the only one involved and filing this complaint.. 
My name is XXXX XXXX Im filing this complaint today because I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Also i was a victim of the XXXX Equifax data breach several accounts on my credit report are not mine in the past ive called Equifax and i also submitted few disputes by mail and by online portal even called in and waited over 3 hours but this company failed to solve this issue so today Im reaching out to the CFPD to help me solve this matter. This fraudulent debt is hindering my ability to apply for credit or even get a first time credit card to build credit. I don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress. Worst part I was denied a job based on negative information on my report. I have been subjected to adverse action pertaining to the CRAs reporting inaccurate information as a result of fraud. I am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports! My personal information was exposed in a data breach Ive been receiving calls from debt collectors and also gotten calls from different NUMBERS that comes up as FRUAD on my caller id!! Im asking the CFPB to help me solve this matter because I try to fix this issue on my own but for some reason Equifax failed to help me and replied back to me as verified but dont give me proof of the verification!!! I CANT AFFORD AN ATTORNEY OR A CREDIT REPAIR AGENT AT THIS TIME, so Im doing everything myself please help me solve this matter. Heres the list of all fraudulent accounts listed and reporting on my report!! 



XXXX XXXX, XXXX {$500.00} reporting on XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney ( XXXX ) XXXX XXXX XXXX XXXX {$430.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company ( XXXX ) XXXX 11 XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Balance Loan Amount {$500.00} - 10 XXXX XXXX XXXX XXXX ex eq Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX {$0.00} Paid, closed 10 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account US DEPARTMENT OF EDU {$4100.00} reporting on XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed US DEPARTMENT OF EDU {$7500.00} reporting on XXXX  Account Info Hover over labels for more details Account number XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL OFF LEASE ONLY XXXX XXXX XXXX XXXX XXXX  OFF LEASE ON XXXX XXXX

Company response to consumer: Closed with explanation