Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and I am writing to request removal of fraudulent accounts my credit file under 15 U.S.C 1681c-2 ( FCRA 605B ). I am a victim of identity theft. There is a collection account on my credit file related to an apartment that I'm listed as a joint applicant. I did not apply, authorize, nor have I applied as a cosigner to that apartment or rental property that's listed. I have never lived at the associated address, nor have I signed any lease or agreement with the property management company or collection agency. Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, I am requesting the following : 1. That XXXX XXXX XXXX XXXX closes the unauthorized account immediately, if it remains active. 
2. Removal of the account from my credit file.

3. Blocked from reappearing under the protections of the Fair Credit Reporting Act ( FCRA ). 
Date opened : XX/XX/XXXX Amount : {$8900.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX I am invoking my rights under 15 U.S.C 1681c-2 ( FCRA 605B ) to have fraudulent information blocked from my credit file. 

I am a XXXX XXXX XXXX XXXX. I have discovered ( 4 ) unauthorized collections of student loans on my credit file. These accounts were opened without my consent, and I have never attended any university or community college, nor have I requested to take out any student loans. Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, I am requesting the following : 1. That the XXXX XXXX XXXX XXXX and/or its servicers close these unauthorized accounts immediately, if they remain active. 
2. That the XXXX XXXX XXXXn and/or its servicers cease all collection efforts and remove any associated debt.

3. That these accounts be removed from my credit report and blocked from any future reporting. 
Date opened : XX/XX/XXXX Amount : {$3300.00} Company : XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Amount : {$3000.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Amount : {$1800.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Company : XXXX XXXX  XXXX XXXX I am invoking my rights under 15 U.S.C 1681c-2 ( FCRA 605B ) to have fraudulent information blocked from my credit file. 

There is also a XXXX cable bill that has been fraudulently opened in my name. I am a victim of identity theft, and I have never applied for nor authorized this account as it was opened without my knowledge and permission. Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, I am requesting the following : 1. That XXXX/or its collection agency cease all collection efforts and remove any associated debt. 
2. That XXXX XXXX  XXXX XXXX closes the unauthorized account immediately, if it remains active. 
3. That the XXXX account be removed from my credit file and be blocked from future reporting. 
Date opened : XX/XX/XXXX Amount : {$620.00} Company : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I am invoking my rights under 15 U.S.C 1681c-2 ( FCRA 605B ) to have fraudulent information blocked from my credit file.

Company response to consumer: Closed with explanation