Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #11248444
Complaint Overview
Complaint ID: 11248444
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Problem canceling credit monitoring or identify theft protection service
State: North Carolina
ZIP Code: 27105
Date Received: 2024-12-21T12:00:00-05:00
Date Sent to Company: 2024-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Iam filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) .Upon reviewing my credit report, I discovered multiple accounts that I did not authorize or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. Personal Identifying Information Full Name : 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 ) Account Type : Factoring Company Account Original Creditor : XXXX Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX Fraudulent Activity Date : Account placed in collections on XX/XX/XXXX. XXXX. XXXX XXXX XXXX ( # XXXX ) Account Type : Factoring Companys Account Original Creditor : XXXX XXXX XXXX XXXX Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX Fraudulent Activity Dates : Account opened on XX/XX/XXXX. Account closed on XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX ( # XXXX ) Account Type : Collection Agency/Attorney Original Creditor : Charter Communications XXXX XXXX : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Fraudulent Activity Date : Account entered collections on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ( # XXXX ) : Original charge-off amount of {$630.00}. Account opened on XX/XX/XXXX, closed on XX/XX/XXXX. Status : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Duplicate entry for the same debt, reported as Placed for Collection. Nature of the Fraud I did not authorize these accounts, nor did I provide consent for my personal information to be accessed, shared, or reported. The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Unauthorized sharing of personal information without explicit consent. 2. 15 U.S.C. 1681b ( FCRA ) : Lack of permissible purpose to access or report my data. 3. 15 U.S.C. 1681e ( b ) ( FCRA ) : Requirement to ensure accuracy and verification of reported data. The specific dates of fraudulent activities are outlined above. Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. Resulted in financial harm and reputational risk. Damaged my creditworthiness and caused undue stress. Hindered my ability to become a homeowner. Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. Specifically, I ask for : 1. An investigation into these accounts and verification of their legitimacy. 2. Removal of all fraudulent accounts, including duplicate entries, from my credit report. XXXX. Updates reflecting accurate information across XXXX, Equifax, and XXXX credit reports. This report will also be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. Relevant federal agencies such as the FTC and CFPB, if necessary. Declaration of Non-Responsibility I, XXXX XXXX XXXX, declare under penalty of perjury that the information I have provided is true and accurate to the best of my knowledge, and that the accounts listed were not authorized by me. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX would like to update It will only allow me to put so many words and I need to put everything down for the identity theft if there is a way you can add this could you please if not it is okay I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. Incident Details XXXX. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor : XXXX Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Factoring Companys Account Original Creditor : XXXXXXXX XXXX XXXX XXXX. Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX XXXX XXXX XXXXXXXX : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Unauthorized sharing of personal information without explicit consent. 2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data. 3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. Resulted in financial harm and reputational risk. these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. Relevant federal agencies such as the FTC and CFPB, if necessary. Incident Description I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. Incident DetailsThis account is important on my credit report twice it shows up as XXXX XXXX XXXX XXXXXXXX it says payment received XXXX original charge off XXXX status so was charged off XXXX XXXX XXXX XXXX XXXX did they open XX/XX/XXXX the date closed XXXX XXXX then it shows up Also under XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data. 3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. Resulted in financial harm and reputational risk. these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. Relevant federal agencies such as the FTC and CFPB, if necessary.
Frequently Asked Questions
What is Complaint #11248444 about?
Complaint #11248444 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2024-12-21T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.