Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Request for Blocking and Deletion of Fraudulent & Inaccurate Accounts under 15 USC 1681c-2 ( a ) I am writing to formally notify Equifax, XXXX, and XXXX, of my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically, 15 USC 1681c-2 ( a ), as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via XXXX  ; I request that you block and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX- XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX XXXX - XXXX - XXXX  - XXXX - XXXX - XXXX - - XXXX - - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$1200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX usage 0 % XXXX {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XX/XX/XXXX- XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY XXXX  Status Too new to rate ; Approved but not used Status updated XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment XXXX XXXX XXXX  Credit usage 0 % XXXX {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$1200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary No payment history available to display. 

Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance {$1300.00} Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Paid Status updated XX/XX/XXXX Payment summary No payment history available to display. 

Comments-- Your statement Contact info Name XXXX XXXX XXXXXXXX Address XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX- XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance $ XXXX  Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement XXXX XXXX LATE XXXX Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX - PAYMENT HISTORY XXXX  Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance $ XXXX  Monthly payment XXXX XXXX LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$1200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - XXXX - PAYMENT HISTORY XXXX  Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance {$1300.00} Monthly payment XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 

Comments Paid collection XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX -

Company response to consumer: Closed with non-monetary relief