Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the following accounts that are inaccurately reported under my name. These accounts are the result of identity theft and do not belong to me. I have attached an official Identity Theft Report to substantiate my claim, and I am requesting that you immediately investigate and remove these fraudulent accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the fraudulent accounts : Disputed Fraudulent Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} Fraudulent Account : This account does not belong to me. I have no record of opening this account and have not authorized any transactions with this creditor. 
XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} Fraudulent Account : This account was opened fraudulently, and I have never had any dealings with XXXXXXXX XXXX regarding this account. 
XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Fraudulent Account : I did not open this account, nor have I ever authorized XXXXXXXX XXXX to report this account under my name. 
XXXXXXXX XXXX Account Number : XXXX ( Duplicate Account ) Date Opened : XX/XX/XXXX Balance : {$6100.00} Fraudulent Account : This account is a duplicate of the account listed above and was also opened without my knowledge or consent. 
Legal Rights and Actions : Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2, consumers who have been victims of identity theft are entitled to request that fraudulent accounts be removed from their credit report. Additionally, Section 1681i requires that credit reporting agencies conduct an investigation when a consumer disputes information, and if the information is found to be fraudulent, it must be corrected or removed within 30 days. 

Request for Immediate Action : I am requesting the following actions : Immediate removal of the above fraudulent accounts from my credit report. 
Investigation of the fraudulent activity on my credit file. 
Written confirmation once the fraudulent accounts have been removed and the investigation is complete. 
Supporting Documentation : I have attached the following documents to assist in your investigation : A copy of the Identity Theft Report filed with [ Agency Name, if applicable ]. 
A copy of my credit report with the fraudulent accounts highlighted. 
A copy of my government-issued ID for verification purposes. 
As these accounts are the result of identity theft, I expect the fraudulent accounts to be removed from my credit report immediately. I also request that you notify me of the outcome of your investigation within 30 days, as required by law. 

If further documentation is needed or if you require additional information, please do not hesitate to contact me at [ Phone Number ] or [ Email Address ]. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this important issue.

Company response to consumer: Closed with non-monetary relief