Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Dispute of Fraudulent/Inaccurate Items Due to Data Breach To Whom It May Concern, Consumer Name : XXXX XXXX XXXX Social Security Number last 4 : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax, TransUnion and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
This fraudulent, inaccurate, and false information consists of : 1. XXXX ( Acct. ending in XXXX ) o Status : Charged Off o Balance : {$11000.00} o Date Reported : XX/XX/XXXX 2. XXXX XXXX  ( Acct. ending in XXXX ) o Status : Over 120 Days Past Due o Balance : {$130000.00} o Past Due : {$8300.00} o Date Reported : XX/XX/XXXX 3. XXXX XXXX XXXX ( Acct. ending in XXXX ) o Status : Charged Off o Balance : {$22000.00} o Past Due : {$22000.00} o Date Reported : XX/XX/XXXX 4. XXXX XXXX XXXX ( Acct. ending in XXXX ) o Status : Charged Off o Balance : {$17000.00} o Past Due : {$17000.00} o Date Reported : XX/XX/XXXX 5. XXXX XXXX ( Acct. ending in XXXX ) o Status : Collection o Balance : {$11000.00} o Past Due : {$11000.00} o Date Reported : XX/XX/XXXX 6. XXXX XXXX XXXX ( Acct. ending in XXXX ) o Status : Collection o Balance : {$2900.00} o Past Due : {$2900.00} o Date Reported : XX/XX/XXXX 7. XXXX XXXX XXXX  ( XXXX ) Status : Collection Balance : {$690.00} paste due : {$690.00} date reported : XX/XX/XXXX 8. XXXX  ( XXXX ) Status : paid closed Balance : {$0.00} date reported:XXXX Hard inquiries : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV , XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  SD, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO 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. All of the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. They are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

What would be a fair resolution to this issue? 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. 
I request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
These accounts have significantly impacted my credit rating, and I believe some or all may be connected to unauthorized activity. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that Equifax : Investigate each of these accounts thoroughly. 
Remove or correct any unverifiable or inaccurate entries. 
Provide the results of the investigation in writing. 
Notify me if the disputed data has been forwarded to any third parties. 
I have enclosed the following documents for your reference : Copy of my driver 's license Proof of address ( utility bill or bank statement ) Highlighted copy of the credit report with disputed items [ Optional : FTC Identity Theft Report or police report ] Please acknowledge receipt of this dispute and respond within the 4 business days required under the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation