Consumer complaint received 2024-11-30 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block all fraudulent and inaccurate information appearing on my consumer credit report that is the result of identity theft and fraud. I demand that this fraudulent information be blocked within four ( 4 ) business days of your receipt of this complaint as required by law. 

The fraudulent, inaccurate, and false information on my credit report includes the following accounts : XXXX XXXX XXXX - Opened on XX/XX/XXXX, under account number XXXX. 
XXXX XXXX XXXX - XXXX on XX/XX/XXXX, under account number XXXX. 
XXXX XXXX XXXX ( XXXX ) - Opened on XX/XX/XXXX, under account number XXXX. 
XXXX XXXX - XXXX on XX/XX/XXXX, under account number XXXX. 
XXXX XXXX XXXX - XXXX account opened on XX/XX/XXXX, under account number XXXX, with an unpaid balance of {$16000.00}. 
US Department of Education XXXX XXXX XXXX XXXX ) - Collection account opened on XX/XX/XXXX, under account number XXXX, with an unpaid balance of {$5700.00}. 
XXXX XXXX - XXXX on XX/XX/XXXX, under account number XXXX. 
XXXX XXXX XXXX - Opened on XX/XX/XXXX, under account number XXXX 
XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, under account number XXXX. 
Additionally, fraudulent collections and hard inquiries have resulted from these accounts, including : A collections account opened at XXXX XXXX XXXX for {$16000.00}. 
A collections account opened at US Department of Education for {$5700.00}. 
Other hard inquiries related to these accounts, fraudulently initiated using my stolen personal information. 
I do not recognize any of these accounts, collections, or hard inquiries as reported. These items were not opened, made, or authorized by me and are the result of identity theft and fraud. 

Supporting Evidence : To support my complaint, I have attached the following documentation : FTC Identity Theft Affidavit ( Criminal Complaint # [ PRIVATE CASE NUMBER ] ) substantiating my claim of identity theft and fraud. 
A copy of my consumer credit report with fraudulent accounts, collections, and hard inquiries highlighted. 
A detailed list of fraudulent hard inquiries. 
Copies of my government-issued identification and proof of residence to verify my identity. 
Explanation of Harm : These fraudulent accounts and collections have resulted in significant harm to my credit report, including derogatory marks, reduced credit scores, and additional hard inquiries. These inaccuracies are negatively affecting my financial opportunities and creditworthiness. Under FCRA 605B, it is your legal obligation to block these fraudulent accounts, collections, and inquiries from my credit file within four ( 4 ) business days of receiving this complaint. 

Demand for Relief : I respectfully request that Equifax take the following actions : Block all fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four ( 4 ) business days of receiving this complaint, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Provide written confirmation of the removal of these fraudulent items from my consumer credit file. 
Cease and desist all attempts to verify these fraudulent accounts with creditors without notifying me first and ensuring compliance with all applicable laws. 
If Equifax decides to verify these fraudulent items, this action would violate my rights under FCRA, 15 U.S.C. 1681c-2, and potentially subject the agency to penalties under both the Fair Debt Collection Practices Act ( FDCPA ) and the Uniform Commercial Code ( UCC ) for willful negligence and further harm. I expect strict compliance with FCRA 611 ( 15 U.S.C. 1681i ) and all other relevant statutes. 

Failure to comply with my request may result in legal action to enforce my rights under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Uniform Commercial Code. 

Legal Notice : Please send written confirmation of the actions taken in response to this complaint to my email at XXXX. This written confirmation must include the date and details of all fraudulent items removed from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief