Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am a victim of identity theft. This report outlines multiple instances of unauthorized activity involving my personal information, including fraudulent accounts, unauthorized credit inquiries, and false address associations that have negatively impacted my credit. 

FRAUDULENT ACCOUNTS & ADDRESSES The following addresses and accounts are associated with my credit file without my authorization : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX A fraudulent apartment application resulted in a {$300.00} charge due to a returned check for an application and admin fee. 

I never applied for or lived at this property. 

XXXX  Account Address of Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX A {$190.00} XXXX bill is falsely associated with my name and credit. 

XXXX XXXX Address Used : XXXX XXXX XXXX, XXXX, TX XXXX An account totaling {$870.00} was fraudulently opened in my name. 

Fraudulent Addresses ( Never Resided At ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX UNAUTHORIZED CREDIT INQUIRIES I did not authorize the following hard and soft inquiries, which appear on my Experian, TransUnion, and Equifax credit reports : Hard Inquiries ( XXXX ) : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX M XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian And more listed in my report . 

Soft Inquiries ( Unauthorized ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INVOLVED CREDITORS & COLLECTION AGENCIES The following companies and creditors are shown as affiliated with the inquiries or fraudulent accounts. I have had no dealings with them : ( Only a partial list is shown add the rest for full completeness XXXX XXXX XXXX XXXX XXXX XXXX  TX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX, UT ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX ( XXXX ) XXXX XXXX XXXX XXXXXXXX, NC ( XXXX ) XXXX XXXX XXXX XXXXXXXX, LA ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA ( XXXX ) XXXX XXXX XXXX, XXXX, TX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX ( XXXX ) XXXXXXXX XXXX XXXX XXXX, MI ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX ( XXXX ) XXXX ( Include all 40+ entries from your creditor list here. ) VIOLATED LAWS & STATUTES The following laws have been violated as part of these identity theft incidents : Texas Penal Code 32.51 Fraudulent Use or Possession of Identifying Information Texas Penal Code 32.32 False Statement to Obtain Property or Credit Texas Penal Code 32.24 Forgery and Check Fraud Texas Business & Commerce Code 521.101 Right to Court Declaration of Identity Theft Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 Blocking of information resulting from identity theft REQUEST FOR RELIEF I respectfully request the following actions : Immediate investigation and removal of all fraudulent accounts and inquiries. 

Removal of false addresses associated with my credit file. 

Notification to all listed creditors and bureaus of the identity theft case. 

Support from the CFPB in pursuing legal remedies and identity theft affidavit acceptance. 

Assistance with securing a court-ordered declaration of identity theft, as permitted under Texas law XXXX

Company response to consumer: Closed with non-monetary relief