Steps to File an FTC Complaint:
1. Gather Client's Personal Details:
o Ensure you have the client’s full name, address, phone number, and email.
2. Visit the FTC Complaint Website:
o Go to the official FTC complaint page at ReportFraud.ftc.gov.
3. Create or Log In to an Account:
o Set up an account for the client or log in to their existing account.
4. Select the Appropriate Complaint Category:
o Choose the category that best fits the issue:
Identity theft
Fraudulent business practices
Unsolicited calls
Credit report issues
Other consumer complaints
Negative Accounts to Report:
CAPITAL ONE BANK USA (Inquiry Date: 05/19/2024)
ONEMAIN (Inquiry Date: 09/11/2024)
CARMAX AUTO FINANC (Inquiry Date: 03/21/2024)
DIGITAL FCU (Account Number: 905838XXXXXX, Date Opened: 01/06/2017,
Balance: $1,420.00)
WAKEFIELD & ASSOCIATES (Account Number: 123171XXXXXXXX, Date Opened:
05/18/2023, Balance: $2,717.00)
Addresses I have never lived at:
o 1111 Golfview Dr, Richmond, TX 77469
o 6202 W 43rd St, Houston, TX 77092
o 2727 Travis St, Houston, TX 77006
o 29 Barr St, Worcester, MA 01602
o 193 Goodale St, West Boylston, MA 01583
o 1700 Seaspray Ct, Houston, TX 77008
o 14800 Memorial Dr, Houston, TX 77079
o 6 Mellor Ave, Worcester, MA 01606
Notes Section:
I have become a victim of identity theft, and my personal and financial information was exposed
during the Equifax data breach. As a result, fraudulent accounts and inquiries have been made on
my credit report without my consent or knowledge. I want to emphasize that I did not authorize,
apply for, or open any of the following accounts or inquiries listed on my credit report:
CAPITAL ONE BANK USA (Inquiry Date: 05/19/2024)
ONEMAIN (Inquiry Date: 09/11/2024)
DISCOVER FINANCIAL SERVICES (Inquiry Date: 05/19/2024)
DIGITAL FED CREDIT UNION (Account Number: 905838XXXXXX, Date Opened:
01/06/2017, Balance: $1,420.00)
WAKEFIELD & ASSOCIATES (Account Number: 123171XXXXXXXX, Balance:
$2,717.00)
These accounts and inquiries were fraudulently created using my stolen personal information. I
have never interacted with the creditors or businesses involved, nor have I applied for credit,
loans, or services under these names. The inclusion of these fraudulent items on my credit report
is seriously damaging my financial standing. Additionally, the following addresses listed on my
credit report are not ones I have ever lived at:
1111 Golfview Dr, Richmond, TX 77469
6202 W 43rd St, Houston, TX 77092
2727 Travis St, Houston, TX 77006
29 Barr St, Worcester, MA 01602
193 Goodale St, West Boylston, MA 01583
1700 Seaspray Ct, Houston, TX 77008
14800 Memorial Dr, Houston, TX 77079
6 Mellor Ave, Worcester, MA 01606
The fraudulent use of my personal information, including these false addresses, is causing
significant harm to my financial reputation. Under the Fair Credit Reporting Act (FCRA) § 605B
(15 U.S.C. § 1681C-2), I am requesting an immediate investigation, the blocking, and the
removal of these fraudulent accounts, inquiries, and addresses. I am willing to provide all
necessary documentation, including an identity theft report, to substantiate my claim.
Expectation:
I expect a thorough investigation into these fraudulent items, the prompt removal of all related
accounts, inquiries, and addresses from my credit report, and a written confirmation once this
action has been completed. Additionally, I request assistance in preventing further damage by
placing alerts or freezing my credit file. I am ready to provide any required documentation,
including a police report or an FTC identity theft report, to support this request. I greatly
appreciate your prompt attention to this urgent matter.
