Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
Equifax has fraudulent accounts listed on my credit profile. First and foremost I can not submit a dispute through Equifax online because Equifax not only has the wrong listed phone number on my fraud alert, but they have the wrong address. Anytime I try registering through their site it says I already have an account and when I attempt to recover the account it tells me no account is found. At this point, I believe Equifax is preventing me from Submitting a proper dispute. Equifax should indeed update the phone number on the credit file as I do not own the phone number XXXX any further and havent in XXXX + XXXX. My phone number is XXXX. Please allow me to register an account with equifax online so I can submit online disputes going forward, and deactivate any previous accounts. I have attached my drivers license for your records. Which shows my proper address. 

XXXX XXXX XXXX  XXXX Fraud Account opened XX/XX/XXXX, Balance {$1300.00} Credit Limit {$500.00} Opened fraudulently, Listed as closed on the credit report. 
XXXX XXXX XXXX Fraudulent Account opened XX/XX/XXXX {$530.00} Reported Balance No credit limit listed. Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. 
XXXX XXXX XXXX {$320.00} Reported Balance. Opened XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$150.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. 
XXXX XXXX XXXX XXXX  Opened XXXX/XXXX/XXXX Balance {$0.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. 
XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. 
XXXX XXXX  opened XX/XX/XXXX {$0.00} Balance Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Additionally accounts should be removed after 7 years and this account is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. 
XXXX XXXX  Opened XX/XX/XXXX {$0.00} Balance Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Address Invalid on account, Application not signed by me signed by forgery. 
XXXX  XXXX XXXX Opened XX/XX/XXXX Forged Application, Identity Theft Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. {$0.00} Balance XXXX XXXX XXXX XXXX  Account opened XX/XX/XXXX {$0.00} Balance ( Account is being double dipped ) Account is fraudulent and application is fraudulent. This bank bought this fraudulent debt from XXXX and now are reporting the fraudulent debt at the same time as XXXX which is double dipping the same debt. Both are fraudulent. I have never had any accounts with this company. Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. 
XXXX XXXX XXXX XXXX - Account Opened XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX {$0.00} Balance Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX XXXX Opened XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX Bank confirmed this was a fraudulent application. I received a letter apologizing. The bank has closed the account as identity theft and I am not liable for this account. I did not apply for this account, and the bank confirmed that. Account is fraudulent. Application is fraudulent. Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX Opened XX/XX/XXXX - Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. No Balance is reported and was never reported. Account and Application fraud. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. Account is over 7 years old and should be removed. Statue of limitations is 7 Years. This account is over 9 years old and is fraudulent. 
XXXX XXXX  - Account Fraudulently Opened XX/XX/XXXX XXXX {$0.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX XXXX - Account Opened Fraudulent XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. I have never done business with this financial institution. They opened several fraudulent accounts and applications without my consent, I did not obtain any products through their company. 
XXXX XXXX  - Fraudulently opened XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX XXXX XXXX  - Fraudulently opened XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX - Application fraud. Account is double listed posted on my credit file 4 times and is still fraud. I have never done business with this company. Fraud application XX/XX/XXXX XXXX XXXX XXXX  ( Fraudulent Application. ) I have not obtained any products through this bank and I did not apply for any products with this bank. Fraudulent application and loan opened XX/XX/XXXX. Fraudulent Application. 
XXXX XXXX XXXX  XXXX XXXX and XXXX XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as XXXX XXXX. Forged XXXX, XXXX XXXX. Account was opened by an identity theft and is fraud. 
XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. I have never done business with this credit union, I am not even a member there. I am not sure how they have added a credit card to my profile. I have never done business with them. I have never obtained any products through them. 
XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
XXXX XXXX  - Again Fraudulent Application never conducted business with this instituion. Not sure whom applied but it wasn't me this is a result of identity fraud. Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
Lastly- XXXX XXXX XXXX XXXX XXXX is showing as 190 days past due. This loan was never late. Opened XX/XX/XXXX. Paid in full. Loan was never late falsely being reported as deliquent.

Department of Ed {$6400.00} Balance Opened XX/XX/XXXX Fraudulently. XXXX Account opened as fraud, and never utilized. No knowledge of this account. Opened as XXXX XXXX. Forged XXXX, XXXX XXXX. Account was opened by an identity theft and is fraud. 
Department of Ed {$4800.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
Department of Ed {$4600.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
Department of Ed {$2000.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud.

Department of Ed {$2000.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud.

Department of Ed {$1800.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud.

Department of ED {$1800.00} ( Listed Twice and never received any monetary from these transactions ) I did not apply for any education loans these are and were fraudulent. Believed to have been applied for by an XXXX XXXX, and I was charged with the loans. 
Department of ED {$870.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud.

Department of Ed {$400.00} Account opened as fraud, and never utilized. No knowledge of this account. Opened as Identity Fraud. Forged Application, Online Application. Account was opened by an identity theft and is fraud. 
Fraudulent Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of these inquiries are fraudulent.

Company response to consumer: Closed with non-monetary relief