Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
Dear Dispute Department, I am writing to dispute multiple accounts on my Experian credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. After reviewing my credit report, I identified the following unauthorized accounts : 1. XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ( last four digits hidden ) Opened : XX/XX/XXXX Amount : {$10000.00} ( Past Due ) Status : Charged Off Details : This account shows a balance of {$10000.00} as of XX/XX/XXXX and has been charged off with a total written-off amount of {$11000.00}. It is my understanding that this account was fraudulently opened without my knowledge or consent. 
2. XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX ( last digits hidden ) Opened : XX/XX/XXXX Amount : {$750.00} ( Written Off ) Status : Charged Off Details : This account was charged off with a balance of {$750.00} as of XX/XX/XXXX. The account appears to have been opened fraudulently, and I did not authorize any transactions or account activity. 



3. XXXX XXXXXXXX XXXX XXXX  XXXX ( Collection Account ) Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ( last digits hidden ) Opened : XX/XX/XXXX Amount : {$160.00} Status : Collection Account Details : This account was opened without my consent and has been listed as a collection account with a balance of {$160.00}. It appears to be related to a service from XXXX, but I did not authorize this account. 
4. XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ( last digits hidden ) Opened : XX/XX/XXXX Amount : {$750.00} Status : Collection Account Details : This account was opened without my consent, and it is a debt collection account purchased by XXXX XXXX XXXX. The amount due is {$750.00}, and I did not authorize any transactions or debts associated with this account. 
5. XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$51000.00} Status : Charged Off Details : This account shows a balance of {$10000.00} as of XX/XX/XXXX and has been charged off with a total written-off amount of {$11000.00}. It is my understanding that this account was fraudulently opened without my knowledge or consent. 
These accounts were opened without my knowledge or consent, and I request that they be investigated and removed in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which provides for the removal of fraudulent entries. I am also entitled to a timely investigation, as outlined in 15 U.S.C. 1681i, which requires a response within 30 days of this request.

Actions Taken to Protect My Identity : I contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts.

I have submitted an identity theft report to the Federal Trade Commission ( FTC ), which is included with this letter.

Documents Enclosed : A copy of my government-issued ID A recent utility bill or official mail showing my current address.

FTC Identity Theft Affidavit Request for Fraud Alert or Security Freeze : Along with the removal of these fraudulent accounts, I request that a fraud alert be placed on my credit report, or a security freeze if necessary, to prevent further unauthorized activity. This request is made in accordance with 15 U.S.C. 1681c-1.

Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within 30 days of receiving this letter. I expect the fraudulent accounts to be removed from my credit file within this timeframe. If you fail to complete a proper investigation or respond within the required period, I will pursue further actions, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse.Upon completion of the investigation, I request written confirmation that these fraudulent accounts have been removed from my credit report. Additionally, please ensure that any inquiries or derogatory marks associated with these accounts are also removed.Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation