Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report ten fraudulent account ( s ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : a credit-card account opened at XXXX XXXX XXXX XXXX under the account number XXXXXXXX XXXX with a balance of {$20000.00} ; a credit-card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX with a balance of {$430.00} ; a credit-card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$320.00} ; a credit-builder account opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX with a balance of {$170.00} ; a credit-card account opened at XXXX XXXX  on XX/XX/XXXXXXXX  under the account number XXXX XXXX  with a balance of {$4700.00} ; an unsecured-loan account opened at XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1200.00} ; another collection account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the same account number with a balance of {$1300.00} XXXX a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} ; and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXXXXXX XXXX with a balance of {$980.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief