Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
**Consumer Financial Protection Bureau ( CFPB ) Complaint Regarding Identity Theft on XXXX XXXX XXXX **To Whom It May Concern, ** I am writing to formally submit a complaint regarding the inaccurate reporting of identity theft information on my XXXX credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My phone number is XXXX. I have discovered multiple inaccuracies in my credit report, including various names, addresses, phone numbers, and employment records that do not belong to me. Under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am entitled to have this fraudulent information deleted and blocked within four days of reporting it as identity theft. 

The following names have been incorrectly associated with my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and several others. These names are not mine and are indicative of identity theft. The presence of these names on my credit report not only misrepresents my identity but also poses a significant risk to my financial well-being. I request that all entries related to these names be deleted and blocked immediately, as they do not reflect my true identity. The only name that should be associated with my credit report is XXXX XXXX XXXX. 

Additionally, the addresses listed on my credit report, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not associated with me in any capacity. These addresses are further evidence of identity theft and should be removed from my report. The only address that should be listed is XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The presence of these fraudulent addresses not only confuses my credit history but also jeopardizes my ability to secure credit in the future. I urge you to take immediate action to delete and block these addresses from my credit report. 

Furthermore, the phone numbers and employment records listed, including those associated with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' do not accurately represent my employment history. My only jobs should be listed as XXXXXXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The inclusion of incorrect employment information can adversely affect my creditworthiness and financial opportunities. I request that all inaccurate employment records be removed from my credit report, ensuring that only my legitimate employment history is reflected. 

In conclusion, I am requesting that XXXX take immediate action to rectify these inaccuracies in my credit report. Under federal law, I am entitled to have this fraudulent information deleted and blocked within four days of reporting it as identity theft. I appreciate your prompt attention to this matter and look forward to your swift response confirming the removal of all fraudulent information from my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone : XXXX **Consumer Financial Protection Bureau ( CFPB ) Complaint Regarding Identity Theft on Credit Report** **To Whom It May Concern, ** I am writing to formally submit a complaint regarding the inaccurate reporting of identity theft information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My phone number is XXXX. I have discovered multiple inaccuracies in my credit report, including various accounts that do not belong to me. Under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am entitled to have this fraudulent information deleted and blocked within four days of reporting it as identity theft. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX account listed under my name shows an account number ending in XXXX, opened on XX/XX/XXXX, with a status of " Open/Never late. '' However, I have never opened an account with XXXX XXXX, nor have I authorized anyone to use my identity for this purpose. The presence of this account on my credit report is a clear indication of identity theft, as it misrepresents my financial history and could potentially harm my creditworthiness. I request that this account be deleted and blocked immediately, as it does not reflect my true identity or financial behavior. 

# # # XXXX. XXXXXXXX XXXX  XXXX account, opened on XX/XX/XXXX, is another fraudulent entry on my credit report. This account shows a balance of {$0.00} and a credit limit of {$1000.00}, but I have no affiliation with this creditor. The unauthorized opening of this account is a direct result of identity theft, as it falsely associates my name with financial obligations I did not incur. I urge you to take immediate action to delete this account from my credit report and block it, as it is not a legitimate representation of my financial history. 

# # # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account, which is marked as " Paid, Closed, '' shows a history of being 30 days past due as of XX/XX/XXXX. I have never opened a secured loan with this bank, and the negative payment history associated with this account is damaging to my credit report. This account is a clear case of identity theft, as it inaccurately reflects my financial behavior and could hinder my ability to secure credit in the future. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, shows a status of " Open/Never late, '' but I have no record of opening this account. As an authorized user, I should not be held responsible for any debts associated with this account. The presence of this account on my credit report is indicative of identity theft, as it misrepresents my financial history. I request that this account be deleted and blocked as soon as possible, as it does not accurately reflect my identity. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is marked as " Paid, Closed/Never late, '' but I have no association with this account. The presence of this account on my credit report is a clear indication of identity theft, as it inaccurately reflects my financial history. I urge you to take immediate action to delete this account from my credit report and block it, as it is not a legitimate representation of my financial behavior. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account , opened on XX/XX/XXXX, shows a status of " Open/Never late, '' but I have no record of opening this account. The unauthorized opening of this account is a direct result of identity theft, as it falsely associates my name with financial obligations I did not incur. I request that this account be deleted and blocked immediately, as it does not reflect my true identity. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX opened on XX/XX/XXXX, shows a balance of {$3700.00}. I have never taken out a loan with this organization, and the presence of this account on my credit report is a clear indication of identity theft. The negative impact of this account on my credit report is significant, and I request that it be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account, opened on XX/XX/XXXX, is marked as " Paid, Closed/Never late, '' but I have no association with this account. The presence of this account on my credit report is a clear indication of identity theft, as it inaccurately reflects my financial history. I urge you to take immediate action to delete this account from my credit report and block it, as it is not a legitimate representation of my financial behavior. 

# # # XXXXXXXX XXXX XXXX XXXXXXXX account, opened on XX/XX/XXXX, is marked as " Paid, Closed/Never late, '' but I have no association with this account. The presence of this account on my credit report is a clear indication of identity theft, as it inaccurately reflects my financial history. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX XXXX XXXXXXXX XXXX account is marked as " Account charged off '' with a balance of {$320.00}. I have never opened an account with this lender, and the negative payment history associated with this account is damaging to my credit report. This account is a clear case of identity theft, as it inaccurately reflects my financial behavior. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account is marked as " Paid, Closed '' but shows a history of being 60 days past due as of XX/XX/XXXX. I have never opened an account with this credit union, and the negative payment history associated with this account is damaging to my credit report. This account is a clear case of identity theft, as it inaccurately reflects my financial behavior. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account is marked as " Paid, Closed/Never late, '' but I have no association with this account. The presence of this account on my credit report is a clear indication of identity theft, as it inaccurately reflects my financial history. I urge you to take immediate action to delete this account from my credit report and block it, as it is not a legitimate representation of my financial behavior. 

# # # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is marked as " Paid, Closed '' but shows a history of being 60 days past due as of XX/XX/XXXX. I have never opened an account with this lender, and the negative payment history associated with this account is damaging to my credit report. This account is a clear case of identity theft, as it inaccurately reflects my financial behavior. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is marked as " Paid, Closed '' but shows a history of being 30 days past due as of XX/XX/XXXX. I have never opened an account with this lender, and the negative payment history associated with this account is damaging to my credit report. This account is a clear case of identity theft, as it inaccurately reflects my financial behavior. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX account is marked as " Open/Never late, '' but I have no association with this account. The presence of this account on my credit report is a clear indication of identity theft, as it inaccurately reflects my financial history. I urge you to take immediate action to delete this account from my credit report and block it, as it is not a legitimate representation of my financial behavior. 

# # # XXXX. XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX  account is marked as " Open/Never late, '' but I have no association with this account. The presence of this account on my credit report is a clear indication of identity theft, as it inaccurately reflects my financial history. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX XXXX  XXXX XXXX account is marked as a " Collection account '' with a balance of {$2100.00}. I have never opened an account with XXXX, and the presence of this account on my credit report is a clear indication of identity theft. The negative impact of this account on my credit report is significant, and I request that it be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX ( Second Account ) The second XXXX XXXX account is marked as " Account charged off '' with a balance of {$3600.00}. I have never opened an account with XXXX, and the presence of this account on my credit report is a clear indication of identity theft. The negative impact of this account on my credit report is significant, and I request that it be deleted and blocked immediately, as it does not belong to me. 

# # # XXXXXXXX XXXX XXXX XXXX XXXX account is marked as " Account charged off '' with a balance of {$170.00}. I have never opened an account with this lender, and the negative payment history associated with this account is damaging to my credit report. This account is a clear case of identity theft, as it inaccurately reflects my financial behavior. I request that this account be deleted and blocked immediately, as it does not belong to me. 

# # # XXXX. XXXX XXXX ( Collection Account - {$2100.00} ) The first account in question is a XXXX XXXX account marked as a " Collection account '' with a balance of {$2100.00}. I want to emphasize that I have never opened an account with XXXX XXXX, and the presence of this account on my credit report is a clear indication of identity theft. This account not only misrepresents my financial history but also poses a significant threat to my creditworthiness. The negative impact of this account is substantial, and I am requesting its immediate deletion and blocking. 

The Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate information on their credit reports. In this case, the account in question does not belong to me, and I have no association with XXXX XXXX. The existence of this account suggests a severe lapse in the company 's identity verification processes. I urge XXXX XXXX to investigate this matter thoroughly and take the necessary steps to rectify this situation. 

The financial implications of this fraudulent account are dire. A collection account can severely damage my credit score, making it difficult for me to secure loans, credit cards, or even housing in the future. The emotional distress caused by this situation is also significant, as I am left feeling vulnerable and exposed to further identity theft. I demand that this account be deleted and blocked immediately to prevent any further harm to my financial reputation. 

I expect a prompt response to this matter, as I will not tolerate any further delays in rectifying this egregious situation. If this account is not removed within four days, I will be forced to take legal action to protect my rights and financial stability. I trust that XXXX XXXX will act swiftly to resolve this issue and restore my credit report to its accurate state. 

# # # XXXX. XXXX XXXX ( Charged Off Account - {$3600.00} ) The second XXXX XXXX account is marked as " Account charged off '' with a balance of {$3600.00}. Similar to the first account, I have never opened any account with XXXX XXXX, and the presence of this account on my credit report is a clear indication of identity theft. The negative impact of this account on my credit report is significant, and I request that it be deleted and blocked immediately, as it does not belong to me. 

The FCRA allows consumers to dispute any information that they believe to be inaccurate or incomplete. In this case, the account in question is not only inaccurate but also damaging to my financial reputation. The fact that a reputable telecommunications company would allow an account to be opened under my name without proper verification raises serious concerns about their internal controls and security measures. 

The consequences of having a charged-off account on my credit report are severe. It can lead to a significant drop in my credit score, making it challenging for me to obtain credit in the future. Additionally, the emotional toll of dealing with identity theft is overwhelming, as I am left feeling anxious and vulnerable. I demand that this account be deleted and blocked immediately to prevent any further harm to my financial well-being. 

I expect a swift resolution to this matter, as I will not accept any further delays in addressing this fraudulent account. If this account is not removed within four days, I will have no choice but to pursue legal action to protect my rights and financial stability. I trust that XXXX XXXX will take this matter seriously and act promptly to rectify this situation. 

# # # XXXX. XXXX XXXX XXXX XXXX The account with XXXX XXXX XXXX XXXX is a secured loan that was opened on XX/XX/XXXX, and is marked as " Paid, Closed. '' However, I want to clarify that I have never opened an account with XXXX XXXX XXXX  XXXX, and the presence of this account on my credit report is a clear indication of identity theft. The fact that this account is listed as " Paid, Closed '' does not change the reality that it does not belong to me, and I request its immediate deletion and blocking. 

The existence of this account on my credit report is not only inaccurate but also damaging to my financial reputation. The Fair Credit Reporting Act ( FCRA ) allows consumers to dispute any information that they believe to be inaccurate or incomplete. In this case, I am exercising my right to dispute this account, as it has no connection to my financial history. 

The implications of having a fraudulent account on my credit report are significant. It can lead to a decrease in my credit score, making it difficult for me to secure loans or credit in the future. Additionally, the emotional distress caused by this situation is considerable, as I am left feeling vulnerable and exposed to further identity theft. I demand that this account be deleted and blocked immediately to prevent any further harm to my financial well-being. 

I expect a prompt response to this matter, as I will not tolerate any further delays in rectifying this egregious situation. If this account is not removed within four days, I will be forced to take legal action to protect my rights and financial stability. I trust that XXXX XXXX XXXX XXXXXXXX will act swiftly to resolve this issue and restore my credit report to its accurate state. 

# # # XXXX. XXXX XXXX XXXX 

The account with XXXX XXXX is a secured loan that was opened on XX/XX/XXXX, and is marked as " Account charged off. '' I want to emphasize that I have never opened an account with XXXX XXXX, and the presence of this account on my credit report is a clear indication of identity theft. The negative impact of this account on my credit report is significant, and I request that it be deleted and blocked immediately, as it does not belong to me. 

The Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate information on their credit reports. In this case, the account in question does not belong to me, and I have no association with XXXX XXXX XXXX The existence of this account suggests a severe lapse in the company 's identity verification processes. I urge XXXX XXXX to investigate this matter thoroughly and take the necessary steps to rectify this situation. 

The financial implications of this fraudulent account are dire. A charged-off account can severely damage my credit score, making it difficult for me to secure loans, credit cards, or even housing in the future. The emotional distress caused by this situation is also significant, as I am left feeling vulnerable and exposed to further identity theft. I demand that this account be deleted and blocked immediately to prevent any further harm to my financial reputation. 

I expect a prompt response to this matter, as I will not tolerate any further delays in rectifying this egregious situation. If this account is not removed within four days, I will be forced to take legal action to protect my rights and financial stability. I trust that XXXX XXXX will act swiftly to resolve this issue and restore my credit report to its accurate state. 

# # # XXXX. XXXX XXXX XXXX XXXX The account with XXXX XXXX XXXX XXXX is a credit card account that was opened on XX/XX/XXXX, and is marked as " Paid, Closed. '' However, I want to clarify that I have never opened an account with XXXX XXXX XXXX XXXX, and the presence of this account on my credit report is a clear indication of identity theft. The fact that this account is listed as " Paid, Closed '' does not change the reality that it does not belong to me, and I request its immediate deletion and blocking. 

The existence of this account on my credit report is not only inaccurate but also damaging to my financial reputation. The Fair Credit Reporting Act ( FCRA ) allows consumers to dispute any information that they believe to be inaccurate or incomplete. In this case, I am exercising my right to dispute this account, as it has no connection to my financial history. 

The implications of having a fraudulent account on my credit report are significant. It can lead to a decrease in my credit score, making it difficult for me to secure loans or credit in the future. Additionally, the emotional distress caused by this situation is considerable, as I am left feeling vulnerable and exposed to further identity theft. I demand that this account be deleted and blocked immediately to prevent any further harm to my financial well-being. 

I expect a prompt response to this matter, as I will not tolerate any further delays in rectifying this egregious situation. If this account is not removed within four days, I will be forced to take legal action to protect my rights and financial stability. I trust that XXXX XXXX XXXX XXXX will act swiftly to resolve this issue and restore my credit report to its accurate state. 

# # # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a secured loan that was opened on XX/XX/XXXX, and is marked as " Paid, Closed. '' However, I want to clarify that I have never opened an account with XXXX XXXX  XXXX XXXX and the presence of this account on my credit report is a clear indication of identity theft. The fact that this account is listed as " Paid, Closed '' does not change the reality that it does not belong to me, and I request its immediate deletion and blocking. 

The existence of this account on my credit report is not only inaccurate but also damaging to my financial reputation. The Fair Credit Reporting Act ( FCRA ) allows consumers to dispute any information that they believe to be inaccurate or incomplete. In this case, I am exercising my right to dispute this account, as it has no connection to my financial history. 

The implications of having a fraudulent account on my credit report are significant. It can lead to a decrease in my credit score, making it difficult for me to secure loans or credit in the future. Additionally, the emotional distress caused by this situation is considerable, as I am left feeling vulnerable and exposed to further identity theft. I demand that this account be deleted and blocked immediately to prevent any further harm to my financial well-being. 

I expect a prompt response to this matter, as I will not tolerate any further delays in rectifying this egregious situation. If this account is not removed within four days, I will be forced to take legal action to protect my rights and financial stability. I trust that XXXX XXXX XXXX will act swiftly to resolve this issue and restore my credit report to its accurate state. 

In conclusion, I am requesting that all fraudulent accounts be deleted and blocked from my credit report as they are associated with identity theft. Under federal law, I am entitled to have this fraudulent information deleted and blocked within four days of reporting it. I appreciate your prompt attention to this matter and look forward to your swift response confirming the removal of all fraudulent information from my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX ** [ Your Name ] ** [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Complaint Regarding Unauthorized Hard Inquiries Due to Identity Theft Dear CFPB, I am writing to formally lodge a complaint regarding a series of unauthorized hard inquiries on my credit report, which I believe are a result of identity theft. These inquiries have negatively impacted my credit score and financial standing. Below, I have listed the inquiries in question, along with their respective dates and the institutions involved : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my consent, and I have not applied for any credit or services with these institutions. I have taken steps to report this identity theft to the relevant authorities, including filing a police report and placing a fraud alert on my credit report. 

I understand that hard inquiries can remain on my credit report for up to two years, which can significantly affect my ability to secure credit in the future. I am requesting that the CFPB investigate these inquiries and assist me in removing them from my credit report. I can provide documentation to support my claims, including the police report and any correspondence with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief