Consumer complaint received 2025-07-02 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: WA

Complaint narrative:
I have been a victim of identity theft dating back to when the IRS data center was breached and since then my personal information has been stolen and used on the dark web. Due to this unfortunate circumstance, I subscribed the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have been a member since XXXX of XXXX. With the guidance of this new XXXX XXXX, I immediately established a credit freeze with the XXXX credit bureaus : XXXX, XXXX, and XXXX to ensure that no one can take out any loans or attempt to open any new bank accounts. In addition, XXXX has a payday loan block that was turned on to add more protection. All of the freezes and payday loan blocks have been in place since XX/XX/XXXX. 

Over the past 4 years, XXXX has notified me of several fraudulent attempts of using my information to either open bank accounts or take out short-term loans. XXXX has effectively blocked all of them and assisted me on the phone with each fraud attempt. 

On XX/XX/XXXX, XXXX notified me that a collection agency had placed on my credit bureau report a delinquent loan from a place I had never heard of and the fake transaction was dated back in XXXX of XXXX. I immediately called XXXX to see what could be done about this as this debt does not belong to me. Upon calling each of the credit bureaus I requested my credit report and disputed this reported transaction and had them place a fraud alert. 

I have absolutely no association to the Original Creditor : Account Solutions For Account and have never done any business with them. When trying to call the Collections Company : XXXX XXXX to explain the situation, I was disconnected immediately the first XXXX calls. The third time I tried to call, it was answered and there was music playing and no one spoke on the call. I have not received any documentation from either of these entities on details of this fraudulent transaction either.

All 3 major credit bureaus have removed this from my credit report. But then when following up today ( XX/XX/XXXX ) on the dispute status with Equifax, it was discovered that this collection agency reported this again to Equifax, so I had to dispute it again letting them know that this is a fraudulent reporting. Equifax directed me to this CFPB site to officially report the instance and then mail them a hard copy of what I have submitted to permanently block them from re-attempts. 

This is the information provided by Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX phone : XXXX Original Creditor listed : Account Solutions For Account It appears that the date of delinquency listed is : XX/XX/XXXX for {$500.00} Again, I have no ties to this debt and it is a fraudulent reported transaction. 

I am hoping that by providing this information, that it will stop them from harassing other folks that have had their identity stolen and stop XXXX XXXX from placing this on my credit report.

Company response to consumer: Closed with explanation