Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
What happened ( statement of pertinent facts ) : I am filing this CFPB COMPLAINT to report XXXX separate fraudulent accounts appearing on my consumer XXXX XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. My property XXXX was used without permission in fraudulent credit transactions and in commerce. 
Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : XXXX ( Private SSN ), Consumer Date of Birth : XX/XX/XXXX ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Equifax/Experian credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX BANK XXXX XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), and collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal credit card account opened at CREDIT XXXX XXXX XXXX and a XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX BANK. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief