Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus continue to neglect this matter, poorly investigating disputed accounts thats clearly fraudulent. I have continue to submit valid information to proof my identity, such as police report of this fraud. I have spoking to Equifax which have stated I have some form of mixed credit with accounts and thats not mine. which I have verified my residence and documents to clear this fraud. XXXX has block my request to update my information which I have also identified myself, submitted documentation for them to verify these fraudulent accounts that they have stated was throughly investigated thats wasnt throughly investigated by neglecting my valid information and allow creditors to excuse me of these fraudulent accounts. I have sustained damage to my credit do to the credit bureau lack of trust they have continue to allow creditors to update closed fraudulent accounts and fraudulent accounts & charges like : Names : XXXX XXXX XXXX - fraudulent account and charges XXXX $ and XXXX $ refused to verify information to me has pass 30 day time period numerous times which is violation to verify this alleged debt, which all 3 credit bureaus have received documentation to proof this is fraud XXXX XXXX  - fraudulent account reporting XXXX XXXX XXXX XXXX ( 7year account pass statue of limitation to report ) is paid and in full as agreed to terms, by third party name XXXX financial that has collected debt on there behave that debt is satisfied. 
Either to be changed to pay and full or to be deleted by original creditor. Immediately documentation has been sent once again. 

XXXX XXXX  - date XX/XX/16 XXXX - pass statute of limitations 7 years, / bankruptcy account that shouldnt be report or seen on credit report that have to be removed immediately. 



XXXX XXXX XXXX  - fraudulent account and charges of {$1000.00} havent submitted no request in writing to me to sell or put a fraudulent account in collection from a third party lender by the name of XXXX XXXX XXXX XXXX XXXX -is falsifying their identity to collect a debt for XXXX XXXXXXXX XXXX, that is a fraudulent account which they are stating the account is owe {$1400.00} they are legally report wrong information on a reported fraudulent account. And is violation of 15 US Code 1692 ( f ) XXXX is report wrong information. Such as my verified address phone numbers which I have submit documentation of that as well to them that was never updated or throughly investigated when fraud occurred XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b ) XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ). 15 US code 1681E ( 1 ) & ( b ) Equifax is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b )

Company response to consumer: Closed with explanation