Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate and false information consist ofXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX / XXXX / XXXX Open Date : XX/XX/XXXX Status : Charged Off Balance : {$380.00} Original/Charge-Off Amount : {$950.00} / {$400.00} Reported By : Equifax, Experian, TransUnion XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : Charged Off Balance : {$2400.00} Original/Charge-Off Amount : {$11000.00} / {$3600.00} Reported By : Equifax, Experian, TransUnion XXXXXXXX XXXX XXXX  Account XXXX : XXXX / XXXX Open Date XXXX XX/XX/XXXX XXXX XXXX Charged Off Balance : {$350.00} Original Balance : {$900.00} Reported By : Equifax, Experian, TransUnion XXXX XXXX XXXX Account # : XXXX / XXXX Open Date XXXX XX/XX/XXXX XXXX : Repossession Balance : {$6000.00} Original Balance : {$7200.00} Reported By : Equifax, Experian, TransUnion XXXX XXXX Account # : XXXX / XXXX Open Date : XX/XX/XXXX XXXX XXXX Charged Off Balance : {$700.00} Original Balance : {$700.00} Reported By : Equifax, Experian, TransUnion XXXX XXXX Account # : XXXX / XXXX Open XXXX : XX/XX/XXXX XXXX XXXX 3060 Days Past Due Balance : {$370.00} Original Balance : {$390.00} Reported By : Equifax, Experian, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Status : Charged Off Balance : {$200.00} Original Balance : {$200.00} Reported By : Equifax, Experian, TransUnion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX / XX/XX/XXXX Status : Charged Off / 90 Days Past Due Balance : {$0.00} {$240.00} Original Balance : {$120.00} {$240.00} Reported By : Equifax, Experian, TransUnion XXXX & XXXX Account # : XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Status : Collection Balance : {$990.00} Original Balance : {$990.00} Reported By : Experian, TransUnion XXXX XXXXXXXX XXXX Account # : XXXX / XXXX Open Date XXXX XX/XX/XXXX XXXX XXXX Collection Balance : {$5800.00} Original Balance : {$4300.00} Reported By : Experian, TransUnion XXXX XXXX XXXX  Account # : XXXX / XXXX Open Date XXXX XX/XX/XXXX XXXX XXXX Collection Balance : {$1000.00} Original Balance : {$1000.00} Reported By : Experian, TransUnion XXXX XXXX XXXX Account # : XXXX Open Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$1300.00} Original Balance : {$1300.00} Reported By : TransUnion XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} Original Balance : {$6000.00} Reported By : Experian HARD INQUIRIES XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reported By : Equifax, TransUnion Type : Retail Credit Card CXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX By XXXX Equifax, Experian, TransUnion Type : XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX Reported XXXX : Equifax Type : Credit Card XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX By : Equifax XXXX Experian XXXX TransUnion XXXX XXXX Credit Card XXXX  XXXX Inquiry Dates : XX/XX/XXXX XXXX XX/XX/XXXX Reported By XXXX Equifax, Experian, TransUnion Type : Credit Card XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reported By : Experian, TransUnion XXXX XXXX Credit Card XXXX XXXX  Inquiry Date : XX/XX/XXXX Reported By : TransUnion XXXX : Auto XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reported By : Experian XXXX TransUnion Type : Auto Loan XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reported By : Experian Type : Auto Loan XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reported By : Experian Type XXXX XXXX XXXX XXXX XXXX Bank Inquiry Date : XX/XX/XXXX Reported By : Experian Type : Credit Card XXXX XXXX & XXXX Inquiry Date : XX/XX/XXXX Reported By : Experian Type : Collection Inquiry These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation