Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
There is a collection account on my credit report related to an apartment or rental property that I did not apply for, authorize, or reside in. I have never lived at the associated address, nor have I signed any lease or agreement with the XXXX XXXX XXXX or XXXXXXXX XXXX. 
Date opened : XX/XX/XXXX Amount : {$8900.00} Please remove this collection account from my credit file immediately as it is the result of identity theft. 

I have also discovered unauthorized credit card accounts opened in my name. These accounts were opened without my consent, and I have never used them. I have not applied for any new credit card accounts during the time these were opened. Please close and delete these accounts from my report as fraudulent, and block them from reappearing under the protections of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} First Premier Date opened : XX/XX/XXXX Amount : {$500.00} XXXX XXXX Date opened : XX/XX/XXXX Amount : {$480.00} I am writing to dispute an unauthorized phone account that has been fraudulently opened in my name. I am a victim of identity theft, and I have never applied for or authorized this account. It was opened without my knowledge or permission. 
I discovered this while reviewing my credit report. This account is not mine, and I am requesting the following : XXXX. Immediate account closure of the unauthorized account ( if still active ). 
XXXX. Removal of the account from my credit file. 
XXXX. Blocked from reappearing under the protections of the Fair Credit Reporting Act ( FCRA ). 
XXXX  Date opened : XXXX Amount : {$720.00} I am writing to dispute an unauthorized XXXX account that was fraudulently opened in my name. I am a victim of identity theft and did not authorize the opening or use of any utility account with XXXX XXXX. I have never resided at or requested service at the address associated with this account. 
I became aware of this fraudulent activity after discovering a XXXX account listed on my credit report and/or receiving a notice or bill regarding an account I did not open. I did not initiate this account, and I am not responsible for any charges associated with it. 
Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, I am formally requesting the following : XXXX. That XXXX closes the unauthorized account immediately, if it remains active. 
XXXX. That XXXX and/or its collection agency cease all collection efforts and remove any associated debt. 
XXXX. That the account be removed from my credit report and blocked from future reporting. 
Date opened : XXXX Amount : {$290.00} I am writing to dispute multiple unauthorized hard inquiries that appear on my credit report. I am a victim of identity theft, and I did not give permission for the companies listed below to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, a consumer reporting agency may only provide a credit report to an entity with a legitimate permissible purpose and with my consent. These inquiries were made without my knowledge or authorization and are fraudulent. 

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Company response to consumer: Closed with explanation