Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX of the most fraudulent companies I ever dealt with, even if you have terrible credit and they are the only ones you can get approved for dont touch them with a XXXX foot pole. XXXX  XXXX and Experian have turned a XXXX eye to identity theft I encountered despite providing them a police report, a XXXX proving I wasnt living at the address that they mailed the card to, proof of my identity. And if XXXX verifying it because of the address on my drivers license I have paystubs that literally show I was livinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a week literally after I got my drivers license they used the same address that was on my permit which is an address NO ONE I KNOW lives at any longer. And I also provided an FTC report which is highly illegal This apparent Identity Theft being XXXX a violation of FCRA. A company can not legally refuse to keep a credit card/loan account on a credit report that is the result of identity theft I have provided the proper documentation, including a police report and an FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ), I am asking for the credit card opened in my name in perspective to this XXXX XXXX account which I never authorize to be opened be closed and reported to the credit bureaus that it is fraudulent because according to the FCRA this is my right when identity theft occurs. Long story short I opened a card with them in XXXX and the card has been in the hands of everyone but me. Ive called over and over again for years explaining every address they mail to is incorrect. I called in because I noticed they mailed a renewal card to an address I dont live and they still sent the card to the wrong address. My account has been compromised since the start I even got locked out of my account because someone put a phone number that isnt mine on the account, put an address Ive never lived at on my account and changed the email. I called in to let them know I never got my card ending in XXXX and sent them proof still no card but XXXX expected to pay a bill every month. The card ending in XXXX was confirmed identity theft by the XXXX XXXX police department and guess what credit XXXX is verifying this even with XXXX proving I didnt live at the address they have. I want this fixed all my XXXX stuff has my old XXXX address because they wont allow me to change it until I have utility bills in my name. But I have provided countless proof even as far as a XXXX showing in XXXX I was not living at the XXXX address they mailed this card to. And the police confirmed this was fraudulent as they even had a phone number and email on the account that is not mine. If this isnt removed from my credit report I will be filing a lawsuit because this is illegal when its clearly identity theft. Just because I had a card with them before does not give them the right to allow a card to be opened unauthorized when Ive called in several times tell them my account was compromised

Company response to consumer: Closed with explanation