Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
To Whom It May Concern : I am writing this personal statement as part of my fraud affidavit that i filed with the FTC REFERENCE # XXXX following the discovery of numerous inaccuracies in my credit report and unauthorized inquiries made in my name. It has come to my attention that there are accounts reporting collections on my credit reports with Equifax, XXXX, and XXXX, which I did not authorize or create. 

To address this issue, I have taken the following steps : XXXX. Requested copies of my credit reports from Equifax, XXXX, and XXXX, and thoroughly reviewed them. 
XXXX. I have disputed these inaccuracies through the credit reporting agencies. 
XXXX. I have contacted the respective creditors to investigate these unauthorized accounts and inquiries. 

I am requesting that this affidavit be taken seriously and that a thorough investigation be conducted into the unauthorized inquiries and the reported collection accounts. It is crucial that my credit history reflects only accurate and authorized information. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX Equifax Account # XXXX XXXX XXXX High Balance {$0.00} {$0.00} {$0.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$44000.00} {$44000.00} {$43000.00} Closed Date -- -- -- Account Rating Open Open Open Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type City/County City/County City/County Account Status Open Open Open Payment Status Late XXXX  Days Late XXXX  Days Late XXXX  Days Creditor Remarks -- -- Consumer disputes- reinvestigation in progress Child/family support Original Creditor -- -- -- Payment Amount {$0.00} {$480.00} {$580.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- 1 Month ( XXXX ) -- Past Due Amount {$43000.00} {$43000.00} {$43000.00} Account Type XXXX XXXX XXXX XXXX XXXX XXXX Payment Frequency Credit Limit {$0.00} {$0.00} $ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} {$810.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$810.00} {$810.00} {$810.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Miscellaneous Banks Bank Credit Cards National Credit Card Companies Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Account information disputed by consumer , meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes- reinvestigation in progress Consumer disputes this account information Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$810.00} {$810.00} {$810.00} Account XXXX Credit Card Credit Card XXXX XXXX XXXX XXXX {$700.00} {$700.00} $ XXXX XXXX  XXXX  XXXX XXXX Equifax XXXX XXXX Equifax Account # XXXX XXXX XXXX High Balance {$510.00} {$0.00} {$510.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$510.00} {$510.00} {$510.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Miscellaneous Banks Bank XXXX XXXX XXXX Credit Card XXXX Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes- reinvestigation in progress Consumer disputes this account information Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$510.00} {$510.00} {$510.00} Account XXXX Credit Card Credit Card XXXX XXXX XXXX XXXX {$300.00} {$300.00} $ XXXXXXXX XXXX XXXX  Filters XXXX Equifax XXXX Equifax Account # XXXX XXXX High Balance {$0.00} {$650.00} Last Verified -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance Owed {$650.00} {$650.00} Closed Date -- -- Account Rating Derogatory Open Account Description Individual Individual Dispute Status Account not disputed Account disputed Creditor Type XXXX XXXX XXXX XXXX XXXX  Account Status Closed Open Payment Status Collection/Chargeoff Late XXXX  Days Creditor Remarks Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes- reinvestigation in progress Consumer disputes this account information Original Creditor -- -- Payment Amount {$0.00} {$0.00} Last Payment -- XX/XX/XXXX Term Length XXXX  Month ( XXXX ) -- Past Due Amount {$650.00} {$650.00} Account Type Unknown - credit extension, review, or collection Payment Frequency Credit LimiXXXX {$0.00}

Company response to consumer: Closed with non-monetary relief