Credit reporting or other personal consumer reports — EQUIFAX, INC. (OH)

Their investigation did not fix an error on your report. On or around XX/XX/year>, I discovered a XXXX XXXX XXXX account inaccurately reported on my TransUnion and Equifax credit file with a Pay Status of Charged Off/Collection, indicated as Monthly for 36 months, and a Date Closed and Last Payment Date of XX/XX/year>. I immediately recognized this as fraudulent because I never opened, authorized, or benefited from such an account. This constitutes both a breach of privacysince my information was used without my consentand an inaccuracy under the FCRA. Despite having provided a formal identity theft report ( pursuant to FCRA 605B, 15 U.S.C. 1681c-2 ), the creditor has submitted false or fabricated documentation to verify this fraudulent account. This action is a direct violation of FCR