Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11164338
Complaint Overview
Complaint ID: 11164338
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 91326
Date Received: 2024-12-15T12:00:00-05:00
Date Sent to Company: 2024-12-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Human Trafficking Report To : Consumer Financial Protection Bureau ( CFPB ) To : XXXX, Equifax, XXXX ( All Credit Bureaus ) Date : XX/XX/XXXX Subject : Report of Identity Theft and Fraudulent Activity Linked to Human Trafficking for XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX URGENT REPORT OF FRAUDULENT ACTIVITY AND HUMAN TRAFFICKING LINKAGE Dear Sir/Madam, I, XXXX XXXX, am submitting this report to the Consumer Financial Protection Bureau XXXX CFPB XXXX and to XXXX, Equifax XXXX and XXXX, as my name, personal information, and financial details have been unlawfully used to perpetrate fraudulent activities. I am concerned that my identity has been trafficked or otherwise exploited for fraudulent purposes, including the unauthorized creation of accounts and use of false addresses in my name. This report highlights the fraudulent activity that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and may be related to broader human trafficking or organized identity theft. Summary of Fraudulent Activity : Upon reviewing my credit reports as of XX/XX/XXXX, I discovered the following fraudulent activities that are indicative of identity theft. This information has likely been misused without my knowledge or consent. I suspect that these fraudulent actions may be linked to human trafficking or organized identity exploitation. Below is a list of fraudulent accounts and non-mailable addresses that have been reported under my identity. Fraudulent Non-Mailable Addresses The following addresses, which I have no knowledge of, appear on my credit report and are being used to further fraudulent activities. These addresses are non-mailable and have no connection to my true residential address : 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 Fraudulent Accounts : I have identified several fraudulent accounts that have been opened in my name without my consent. These accounts do not reflect any transactions that I have authorized and appear to be part of a broader pattern of fraud : XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Type : XXXX XXXX XXXX. XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Type : XXXX XXXX XXXX. XXXX XXXX ( XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Type : Credit Card XXXX. XXXX XXXX ( XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Type : Credit Card Alleged Human Trafficking/Identity Exploitation : Given the nature and scope of the fraudulent activity described above, I have serious concerns that this identity theft is linked to human trafficking or the misuse of my personal information by criminal organizations. It is important that the proper authorities investigate the possibility that my personal information has been trafficked for exploitation and financial fraud. Request for Immediate Action : As a victim of identity theft, I request that the following actions be taken immediately : 1. Removal of Fraudulent Accounts : Please remove all fraudulent accounts listed above from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX09 & 611. 2. Investigate the Fraudulent Activity : Please thoroughly investigate the fraudulent addresses and accounts to determine their origin and whether they are connected to identity theft or human trafficking. 3. Notification to Law Enforcement : If any links to criminal activity, including human trafficking, are found during your investigation, please notify the appropriate law enforcement authorities. 4. Expedited Resolution : In accordance with FCRA Section 1681, I ask that you resolve this matter within XXXX days and provide written confirmation that all fraudulent activity has been removed from my credit reports.
Frequently Asked Questions
What is Complaint #11164338 about?
Complaint #11164338 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-15T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.