Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this statement to clearly explain what happened with XXXX XXXX XXXX, XXXX, and why this matter remains unresolved despite multiple disputes, multiple cases, and the filing of an FTC Identity Theft Report. I am a victim of identity theft, and the accounts XXXX XXXX continues to report under my name do not belong to me, were not opened by me, and were not authorized by me. Because of XXXX refusal to properly investigate and their refusal to accept my identity theft documentation, I have been forced to file multiple complaints and may need to continue filing additional cases until this issue is fully corrected. 

On XX/XX/year>, I formally filed a case with XXXX XXXX XXXX after discovering XXXX credit card accounts reporting as derogatory on my credit report that I did not recognize. I did not open these accounts, did not authorize them, and did not knowingly use them. Because these accounts were clearly fraudulent, I also filed an FTC Identity Theft Report in good faith, affirming that I am a victim of identity theft and that the information provided in the report is true and accurate to the best of my knowledge. 

The XXXX XXXX XXXX accounts at issue are credit card accounts that appear on my credit report as major derogatory items. XXXX of the accounts is reporting as a charge-off with a large past-due balance and multiple late payments, while the XXXX  account is also reporting as a charge-off with repeated late payments despite showing a XXXX balance. These accounts are severely damaging my credit profile and continue to cause harm. 

From the beginning of this process, I have consistently told XXXX XXXX that I do not own these accounts. I never applied for them, never signed an agreement, and never authorized anyone to open them on my behalf. I became aware of the accounts only after reviewing my credit report. Once I discovered the fraud, I immediately took appropriate action by disputing the accounts, contacting XXXX, and filing an FTC Identity Theft Report. 

Despite these efforts, XXXX XXXX has repeatedly stated that it reviewed the account and found it valid. However, at no point has XXXX provided actual documentation proving that I opened or authorized the accounts. They have not produced a signed credit card application, a complete cardmember agreement showing my consent, or any identity verification records from the time the accounts were allegedly opened. Without this documentation, XXXX can not legally establish that these accounts belong to me. 

XXXX of the most troubling aspects of XXXX  response is their repeated reference to XXXX XXXX. XXXX XXXX has claimed that I have an XXXX XXXX account associated with XXXX of the disputed credit cards. I do not recognize having an XXXX XXXX account tied to these credit cards, and I have never authorized XXXX XXXX charges through a XXXX XXXX credit card. When I specifically requested proof of this alleged XXXX XXXX XXXX as account enrollment records, billing authorization, IP address information, or any documentation showing that I personally enrolled or consented to XXXX XXXX XXXX was unable to provide any proof. 

Instead of providing evidence, XXXX continued to rely on internal statements and assumptions. Claiming that an XXXX XXXX account exists does not prove that I opened the credit card account or authorized its use. Fraudulent accounts frequently show subscriptions, transactions, and activity without the consumers knowledge or consent. The existence of alleged XXXX XXXX charges does not override an FTC Identity Theft Report and does not establish ownership of the underlying credit card account. 

Additionally, XXXX XXXX has refused to accept or properly acknowledge my FTC Identity Theft Report. This is especially concerning because the FTC Identity Theft Report is a federally recognized document that triggers specific protections under the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, once a consumer submits an identity theft report, a furnisher is required to block and remove the fraudulent information unless it can provide documentation proving the account belongs to the consumer. XXXX XXXX has not met this burden, yet they continue to report the accounts. 

Throughout this process, I have filed multiple cases and disputes because XXXX XXXX has not resolved the issue. Each time a case is closed, the underlying problem remains : the fraudulent accounts are still reporting, and XXXX continues to deny my identity theft claim without providing evidence. I have been forced to reopen the issue and file additional complaints because XXXX responses do not correct the inaccurate reporting or comply with federal identity theft protections. 

I want to be clear that I am not filing multiple cases frivolously. I am doing so because XXXX XXXX has not accepted my identity theft report, has not provided proof of account ownership, and has not removed the fraudulent accounts. As long as the accounts remain on my credit report and continue to cause harm, I must continue to seek relief. If necessary, I can and will create additional cases because the issue remains unresolved and ongoing. 

XXXX XXXX position appears to be based on internal conclusions rather than a meaningful, lawful investigation. They have repeatedly stated that payments were received or that account activity exists, but activity alone does not prove ownership. Fraudulent accounts can show payments, subscriptions, and transactions without the consumers authorization. None of Chases responses explain how the accounts were opened, who applied for them, what identity verification was used, or how my consent was obtained. 

Furthermore, Chases refusal to accept the FTC Identity Theft Report undermines the protections provided to consumers who are victims of identity theft. I understand that filing a false identity theft report is illegal and carries serious consequences. I would not file such a report unless it were true. I filed the FTC Identity Theft Report because these accounts are not mine, and I am suffering harm as a result of their continued reporting. 

The ongoing reporting of these accounts has negatively impacted my credit score, creditworthiness, and financial stability. It affects my ability to obtain credit, housing, and fair financial opportunities. Each month the accounts remain on my credit report, the damage continues. This is not a one-time issue ; it is an ongoing harm that requires immediate correction. 

To date, XXXX XXXX has not : Provided a signed application or proof that I opened the accounts Provided identity verification records from account opening Provided proof that I authorized XXXX XXXX charges Accepted my FTC Identity Theft Report Removed the fraudulent accounts from my credit report Because of these failures, this matter remains unresolved. 

I am requesting intervention and assistance because XXXX XXXX  actions do not comply with the Fair Credit Reporting Act and do not respect the rights of identity theft victims. A proper resolution requires XXXX to acknowledge that the accounts are fraudulent unless proven otherwise with valid documentation, to accept my FTC Identity Theft Report, and to remove the accounts and all associated negative information from my credit reports. 

Until XXXX XXXX takes these steps, I will continue to pursue relief through available channels, including filing additional complaints if necessary. I am seeking accuracy, fairness, and compliance with federal law. I should not be held responsible for accounts I did not open, subscriptions I did not authorize, or debts that resulted from identity theft. 

This statement is submitted in good faith to fully document what happened, the actions I have taken, and why this issue remains unresolved. I respectfully request that this matter be reviewed thoroughly and that appropriate corrective action be taken to remove the fraudulent XXXX XXXX accounts and stop the ongoing harm to my credit.

Company response to consumer: Closed with explanation