Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
I am filing this complaint to address an ongoing issue with XXXX XXXX regarding a fraudulent student loan application that was opened in my name without my knowledge or consent. Despite providing ample evidence of identity theft and the fraudulent nature of the loan, XXXX XXXX has refused to resolve the matter appropriately. They have closed the investigation, marked multiple complaints as duplicates, and are still reporting the fraudulent loan to the credit bureaus.

Details of the Issue : 1. Fraudulent Loan Application : A loan was obtained in my name under fraudulent circumstances. I was not involved in any part of the application process, nor did I authorize anyone to list me as a cosigner. 
The application contains numerous false statements, including a fabricated job title ( Registered Nurse at XXXX XXXX ), inflated income figures, and fake financial details such as checking and savings account balances. 
The phone numbers listed on the application were not mine, and the email used for communication was that of the person who fraudulently applied for the loan in my name. 
XXXX. Investigation Closure by XXXX XXXX : XXXX XXXX claims that their investigation was closed because their records show that I completed a cosigner awareness process on XX/XX/year>. However, I did not complete this process, and I did not agree to be a cosigner for any loan. 
XXXX XXXX has based their conclusion on a phone call that they claim was made by me, but I can confirm that this was not me on the call. Despite this, XXXX XXXX has not provided any proof of this call or any verification to support their claim.

3. Lack of Proof of Investigation : XXXX XXXX has not provided any documentation or proof of the investigation to the CFPB. They only provided a vague statement about the closed investigation but did not substantiate their claims with any evidence, such as the recording of the phone call in question. 
I have requested that they provide this proof, but they have failed to do so. 
XXXX. Multiple Complaints Marked as Duplicates : I have submitted multiple complaints to XXXX XXXX and the CFPB regarding this matter, but XXXX XXXX has marked them as duplicates. They did this despite my clarification that I would be submitting more supporting documents to prove my case. 
XXXX XXXX responded by claiming that no further documentation was needed and that the investigation was closed, without properly addressing the new evidence I provided. 
XXXX. Ongoing Impact on Credit : The fraudulent loan continues to be reported to the credit bureaus, damaging my credit score and financial reputation. XXXX XXXX refusal to resolve the matter has resulted in unnecessary financial hardship. 

I am providing proof of identity theft and supporting documentation to demonstrate that the loan application contains fraudulent information. Specifically : Employment Verification for XXXX  : The application falsely listed my employer as XXXX XXXX, claiming I was a XXXX XXXX ( XXXX ). However, in XXXX, I was employed as a homemaker with XXXX XXXX XXXX and XXXX XXXX XXXX. I have included documentation to verify my actual employment during that time.

Company response to consumer: Closed with non-monetary relief