Consumer complaint received 2024-11-21 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:
Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my XXXX credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

After reviewing my credit report, I discovered the following accounts that were not initiated by me : 1. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/year> Amount : {$920.00} Given that these accounts were fraudulently opened, I ask that you investigate the matter in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which entitles me to request the removal of fraudulent entries from my credit file. I am also entitled to a fair and timely investigation as per 15 U.S.C. 1681i, which requires a response within 30 days of this request. 
Actions Taken to Protect My Identity : - I filed a police report concerning this identity theft. 
- I have contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts. 
- I submitted an identity theft report to the Federal Trade Commission ( FTC ), which I have included with this letter. 
Documents Enclosed : - A copy of my government-issued ID ( e.g., driver 's license or passport ). 
- A recent utility bill or official mail showing my current address. 
- The police report for identity theft. 
- FTC Identity Theft Affidavit ( if applicable ). 
- A copy of my XXXX credit report, highlighting the fraudulent accounts. 
Request for Fraud Alert or Security Freeze : Along with the removal of the fraudulent accounts, I request that a fraud alert be placed on my credit report or, if necessary, a security freeze to prevent further unauthorized activity. Since I have already filed an identity theft report, this request is in line with 15 U.S.C. 1681c-1.

Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within 30 days of receiving this letter. I expect that the fraudulent accounts will be removed from my credit file without delay. Should you fail to conduct a proper investigation or respond within the prescribed timeline, I will pursue further actions to protect my rights, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse. 

Once the investigation is completed, I would appreciate written confirmation that these fraudulent accounts have been removed from my credit report. I also request that any associated inquiries or derogatory marks linked to these accounts be eliminated from my file. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. If additional documentation or information is required from my side, please contact me. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation