Consumer complaint received 2025-03-19 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: RI

Complaint narrative:
I am filing this complaint because fraudulent accounts have been opened in my name without my authorization, and the companies involved have either failed to properly investigate my dispute or have not taken the necessary steps to remove the fraudulent information from my credit report. 

Description of Events On XX/XX/XXXX, I obtained a copy of my credit report and noticed several unauthorized accounts and inquiries that I did not open, authorize, or apply for. These accounts include : XXXXXXXX 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 

After discovering these fraudulent accounts, I immediately took action to dispute them : 1. Filed an Identity Theft Report I filed a police report regarding identity theft and fraudulent accounts.

I also submitted an FTC Identity Theft Affidavit to document the fraud.

2. Contacted the Credit Bureaus I submitted disputes to Experian, Equifax, and TransUnion, requesting the removal of these fraudulent accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ).

The bureaus were provided with my police report, FTC affidavit, and supporting identification documents.

I requested a fraud alert and credit freeze to prevent further identity theft. 
XXXX. Contacted the Companies Reporting the Fraudulent Accounts I notified each creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the accounts were fraudulent and requested they : Cease reporting the accounts to the credit bureaus. 
Provide documentation proving I had opened or authorized the accounts. 
Remove any debts or balances associated with the fraudulent accounts. 

Issues with the Companies Response Despite my legitimate dispute and the supporting documents I provided, the companies have failed to take appropriate action, including : Not removing the fraudulent accounts despite the clear evidence of identity theft. 
Failing to provide any documentation verifying that I had opened these accounts. 
Continuing to report these fraudulent accounts to credit bureaus, damaging my credit score.

Ignoring their obligations under FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires them to properly investigate disputes and stop reporting inaccurate information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any fraudulent or inaccurate information on my credit report. The companies and credit bureaus have a legal obligation to : Investigate my claim within 30 days. 
Provide evidence that I authorized these accounts. 
Remove unverifiable or fraudulent accounts immediately if they can not confirm legitimacy. 

Request for CFPB Action I am requesting the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that : 1. All fraudulent accounts are permanently removed from my credit report.

2. Creditors and credit bureaus provide documentation proving I authorized the accountsif they can not, the accounts must be deleted.

3. All outstanding balances and debts are cleared, and no collection actions are taken against me.

4. The companies involved are held accountable for violating my rights under the FCRA.

I have attached all supporting documents, including : My police report detailing the identity theft.

My FTC Identity Theft Affidavit.

My written disputes to the credit bureaus and creditors.

Any responses or lack thereof from the companies.

I am requesting immediate resolution as these fraudulent accounts are damaging my credit score, financial stability, and reputation. The companies involved have failed to comply with federal consumer protection laws, and I need the CFPBs assistance in holding them accountable.

Company response to consumer: Closed with explanation