Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Equifax, I am writing to bring to your attention a fraudulent account that has been inaccurately reported on my Equifax credit report. I recently discovered this account and I can assure you that I have no knowledge or involvement in its creation. I am deeply concerned about the impact this fraudulent account has had on my creditworthiness and the stress it has caused me. 

Below are the details of the fraudulent account as listed on my Equifax credit report : Account Type - Detail : XXXX XXXX XXXXXXXX Code : Joint Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$17000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX I hereby declare that I did not authorize the opening of this account, nor have I ever taken out an auto loan with the creditor mentioned. This fraudulent account is causing significant distress and is detrimental to my financial standing. I kindly request that you investigate this matter urgently and take the necessary actions to remove this fraudulent account from my Equifax credit report. 

Furthermore, I have filed a police report with [ XXXX Police Department ] on [ Date ] regarding this incident. The police report number is [ Report XXXX ]. I have attached a copy of the police report for your reference. This report serves as evidence of the criminal activity associated with the fraudulent account. 

In support of my complaint, I would like to bring your attention to relevant case law that supports the removal of inaccurate and fraudulent information from credit reports. [ Provide the names of relevant case law or statutes ]. These legal precedents affirm the responsibility of credit reporting agencies, such as Equifax, to ensure the accuracy and integrity of the information they report. 

I expect Equifax to fully comply with all legal requirements and promptly investigate this matter. It is imperative that you take immediate action to remove this fraudulent account from my Equifax credit report, in accordance with the law and to rectify the damages caused by this identity theft. 

Additionally, I kindly request written confirmation from Equifax once the fraudulent account has been removed from my credit report. This confirmation will serve as evidence that the necessary actions have been taken to address this fraudulent activity. 

Please treat this matter with the utmost urgency, as it is negatively affecting my financial reputation and causing undue stress. I trust that Equifax will handle this complaint efficiently and in accordance with all applicable laws, regulations, and legal precedents. 

I can be reached at the contact information provided above should you require any further clarification or documentation regarding this matter. I look forward to a swift resolution of this issue. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief