Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, This complaint is being submitted regarding ongoing violations by the major credit reporting agencies and associated creditors who continue to report fraudulent and misrepresented accounts on my credit profile. These accounts are the result of identity theft that stemmed from a XXXX XXXX breach in XXXX, during which my personal and financial information was stolen. While the breach occurred years prior, I became aware of the resulting fraud in XXXX and immediately filed a police report with the XXXX XXXX  XXXX  ( Report # XXXX ) to document the criminal misuse of my identity. 

Despite taking every proper step to correct the errorssubmitting identity theft affidavits, government-issued ID, proof of address, a complete list of debts, and official disputes citing my rights under the Fair Credit Reporting Act ( FCRA ) the credit bureaus and furnishers have refused to remove these false accounts and continue to report them as valid. 

The fraudulent and misreported accounts currently harming my credit include : An auto loan from XXXX XXXX in the amount of {$14000.00}, opened on XX/XX/XXXX, marked as 30 days late ; A credit card from XXXX  XXXX with a balance of {$2800.00}, opened on XX/XX/XXXX, reported as charged off ; A credit card from XXXX ( XXXX ) showing a balance of {$16000.00}, opened on XX/XX/XXXX, also marked as charged off ; An installment account from XXXX XXXX with a {$0.00} balance, opened XX/XX/XXXX, reported as 120180 days late ; An XXXX  unsecured loan ( XXXX  ) for {$360.00}, opened on XX/XX/XXXX, reported as charged off ; A XXXX XXXX XXXX XXXX XXXX XXXX for {$3400.00}, opened on XX/XX/XXXX, marked as charged off ( this account was fully paid and should not be delinquent ) ; A XXXX XXXXXXXX XXXX XXXX account for {$14000.00}, opened on XX/XX/XXXX, listed as charged off ; A second XXXX XXXX XXXX XXXX for {$10000.00}, opened on XX/XX/XXXX, also listed as charged off ; An XXXX  unsecured loan ( XXXX ) for {$1600.00}, opened on XX/XX/XXXX, reported as charged off ; An XXXX unsecured loan ( XXXX ) for {$830.00}, opened on XX/XX/XXXX, reported as charged off ; XXXX XXXX XXXX collection account for XXXX XXXX, with a balance of {$1100.00}, opened on XX/XX/XXXX, reported as in collection ; A collection account with XXXX ( XXXX XXXX ) for {$280.00}, opened on XX/XX/XXXX, also marked as in collection ; A XXXX XXXX auto loan for {$55000.00}, opened on XX/XX/XXXX, listed as charged off ( this loan is fraudulent and never authorized by me ) ; An XXXX  unsecured loan ( XXXX ) for {$180.00}, opened on XX/XX/XXXX, listed as charged off ; Another XXXX  unsecured loan ( XXXX  ) for {$2900.00}, opened on XX/XX/XXXX, marked as charged off ; A separate XXXX  unsecured loan ( XXXX ) for {$270.00}, opened on XX/XX/XXXX, marked as charged off ; Lastly, a secured loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a {$0.00} balance, opened on XX/XX/XXXX, reported as 60/30 days late. 



My History of Disputes I have made every reasonable and legal effort to have these accounts removed : Submitted police reports, an FTC identity theft affidavit, government-issued ID, proof of address, and a detailed list of fraudulent accounts ; Sent disputes via certified mail to XXXX, Equifax, and XXXX, citing clear protections under 15 U.S.C. 1681c-2 ; Filed complaints with the CFPB and FTC ; Sent a final legal demand letter that identified each FCRA violation.

Despite this, the credit bureaus and creditors have : Ignored my valid disputes, Issued blanket denials without meaningful investigation, Allowed continued reporting of accounts they know are fraudulent, Caused lasting damage to my creditworthiness and well-being.

Company response to consumer: Closed with explanation