Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by XXXX XXXX XXXX that does not belong to me and remains unresolved despite my prior dispute. I previously filed a CFPB complaint against XXXX XXXX XXXX on XXXX, and as of this date, I have not received any response, interim update, or resolution from the company. 

Discovery of the account and identity theft I discovered that XXXX XXXX XXXX is reporting a collection/charge-off account on my consumer credit reports. I do not recognize this account, I never opened it, and I have never had a legitimate credit relationship with XXXX XXXX XXXX. I later learned that this account was allegedly sold by XXXX XXXX to XXXX XXXX XXXX, however, I do not have and never had any valid account with XXXX XXXX related to this debt. 

Because I did not authorize, open, apply for, or benefit from any account with XXXX XXXX or XXXX XXXX XXXX, the reporting of this debt is the result of identity theft. 

Actions I took as the consumer Immediately after discovering this fraudulent account, I took the following actions : Filed an Identity Theft Report with the Federal Trade Commission ( FTC ) affirming under penalty of law that this account does not belong to me. 

Disputed the account with the credit reporting agencies, notifying them that the account was fraudulent and the result of identity theft. 

Filed a CFPB complaint against XXXX XXXX XXXX on XXXX, clearly stating that the account was not mine and that I had filed an FTC Identity Theft Report. 

Despite these actions, XXXX XXXX XXXX has failed to respond to my CFPB complaint for over one month. 

XXXX XXXX XXXX failure to respond XXXX XXXX XXXX lack of response is deeply concerning. Companies are expected to respond to CFPB complaints within required timeframes, either with a substantive response or a notice that additional time is needed. XXXX XXXX XXXX has done neither. 

This failure to respond suggests that : XXXX XXXX XXXX has not conducted a meaningful investigation, Or is disregarding a verified identity theft claim, Or is continuing to furnish information without proper validation. 

At no time has XXXX XXXX XXXX provided me with documentation proving that I am the rightful account holder, such as an original signed application, account agreement, or evidence of my authorization. Without such proof, XXXX XXXX XXXX has no lawful basis to continue reporting this account. 

Harm caused by continued reporting The continued reporting of this fraudulent collection account has caused significant harm, including : Ongoing damage to my credit profile, Financial stress and uncertainty, Time lost repeatedly disputing an account that is not mine, Difficulty ensuring the accuracy of my credit reports. 

Identity theft victims should not be required to endure prolonged inaction by debt collectors while inaccurate information remains on their credit files. 

Why this complaint is being escalated This complaint is being submitted because : The account does not belong to me, I filed an FTC Identity Theft Report, I filed a CFPB complaint on XXXX, XXXX XXXX XXXX has not responded for over one month, and The account continues to be reported inaccurately. 

The sale or assignment of an account from XXXX XXXX  to XXXX XXXX XXXX does not transfer liability to me for a debt created through identity theft. Debt buyers are responsible for ensuring the accuracy and legitimacy of the information they furnish. 

Summary In summary : I do not own the account being reported by XXXX XXXX XXXX. 

The account is the result of identity theft. 

I filed an FTC Identity Theft Report. 

I filed a CFPB complaint on XXXX. 

XXXX XXXX XXXX has failed to respond. 

The account remains on my credit reports. 

I am requesting that this matter be reviewed and that XXXX XXXX XXXX be required to respond appropriately and correct the inaccurate reporting.

Company response to consumer: Closed with explanation