Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I am a victim of identity theft. I recently pulled my credit report and was shocked to discover several accounts that I never opened, used, or authorized. These accounts span from XXXX to XXXX and include credit cards, secured loans, and even a collection account. I did not give anyone permission to use my identity, and yet someone managed to create serious debt in my name without my knowledge. 

It all started when I noticed strange activity on my FICO report on XX/XX/XXXX. As I looked closer, I saw accounts with names I didnt recognize and loan types I never applied for. One account, for example, was opened with * * XXXX XXXX * * on * * XX/XX/XXXX * *. Ive never dealt with this company in my life, yet the report shows the account was charged off, with \ {$690.00} written off and \ {$650.00} still listed as past due. It felt like I had been hit by a train how could this be on my report for so long and I never knew? 

Then I found an account with * * XXXX XXXX * *, supposedly opened on * * XX/XX/XXXX * *. Again, I had no relationship with this company, no credit card in my name, no statements nothing. Its as if someone was living a financial life parallel to mine without me even knowing. 

Worse still, I discovered a major account listed under * * XXXX * *, which I later found out stands for * * XXXX XXXX XXXX * *. According to my report, this credit card was opened on * * XX/XX/XXXX * *, and was eventually charged off with a loss of \ {$2600.00}. I never opened a XXXX card, and I never authorized anyone else to do so. This account has been poisoning my credit since at least * * XX/XX/XXXX * *, when it was last updated. 

The nightmare didnt stop there. 

In * * XX/XX/XXXX * *, someone opened a * * secured loan * * with * * XXXX XXXX XXXX * * using my name and information. That was followed by another * * secured loan * * from * * XXXX XXXX * * on * * XX/XX/XXXX * *. I never received any funds or communication about these loans. There was no application, no consent, no trace except the damage now sitting on my credit report. 

Finally, I saw an account with * * XXXX XXXX XXXX * *, a debt buyer, opened on * * XX/XX/XXXX * *. This was the final red flag. Not only had my information been stolen years ago, but the abuse was still ongoing. 

This entire situation has deeply affected my life. I have been denied credit, questioned by lenders, and humiliated while trying to explain that I didnt open these accounts. The emotional stress, XXXX, and frustration of fighting something I didnt cause has made everyday tasks more difficult than they should be. Ive had to spend countless hours gathering documents, filing reports, and trying to prove that I am not responsible for any of these debts. 

I am now submitting this personal statement along with my * * FTC Identity Theft Report * *, a copy of my * * government-issued ID * *, * * proof of residence * *, and a sworn * * identity theft affidavit * *. I am formally invoking my rights under * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * *, which requires that any consumer reporting agency * * block fraudulent information from my credit file within 4 business days * * upon receipt of this documentation. 

These accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  must be deleted immediately. I did not open these accounts. They are not mine, and they never were. I am asking for justice and relief so I can begin repairing the financial damage caused by this crime. 

I respectfully request that the companies and credit bureaus involved take all necessary action to remove these accounts, block any further reporting, and restore my credit to the clean standing I worked so hard to build. 


Would you like this in a downloadable affidavit or formatted for submission to Experian, Equifax, and TransUnion?

Company response to consumer: Closed with non-monetary relief