Georgia had 193.9 complaints per 100,000 people, according to the FTC report. Georgia residents complained about potential fraud from debt collectors the most, followed by banks and lenders and shop-at-home and catalog sales services scams. Individuals that suspect suspicious information in their credit files should apply a security freeze. The freeze prevents lenders from reviewing credit history information, stopping them from issuing credit. Each credit reporting agency needs to be contacted separately to institute a freeze, Equifax said.