Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EQUIFAX ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report multiple fraudulent accounts appearing on my Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include : a Credit Card opened at XXXX - XXXX on XX/XX/XXXX under account number ending in XXXX ; a Credit Card opened at XXXX - XXXX on XX/XX/XXXX under account number ending in XXXX ; a Credit Card opened at XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; a Credit Card opened at SXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number ending in XXXX ; a Credit Card opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number ending in XXXX ; a Credit Card XXXX XXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; a second Credit Card at XXXX XXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; an auto loan opened at XXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; another auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; a Credit Card at XXXX - XXXX on XX/XX/XXXX under account number ending in XXXX ; a Credit Card at XXXX - XXXX on XX/XX/XXXX under account number ending in XXXX ; a Credit Card at XXXX XXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; a Credit Card at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number ending in XXXX ; and a Credit Card at XXXX XXXX - XXXX Card on XX/XX/XXXX under account number ending in XXXX. These accounts have resulted in multiple fraudulent charge-offs, hard inquiries, late payments, and collections, which are damaging my credit report. I demand that these fraudulent items be removed from my credit report immediately and that all collection activity cease, as required by my rights under the FCRA and FDCPA laws. A formal FTC Identity Theft Affidavit has been submitted as evidence. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation