Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, I have filed multiple disputes directly with the CRA 's and the alleged account company ( XXXX XXXX XXXX ). Each and every time I dispute this account either with the CRA 's and the Company directly I am told that this account is " Accurate ''. This account is not accurate, and DO NOT BELONG TO ME. I have never REFUSED TO PAY, but I have requested multiple " VALIDATION '' letters of this debt from this company ( XXXX XXXX XXXX ) and the CRA 's who claim I owe money to. Per my consumer rights, I HAVE THE RIGHT TO REQUEST ANY INFORMATION TO SUBSTANTIATE THIS ALLEGED ACCOUNT. On numerous occasions when filing my disputes, my rights have been violated by ALL 3 CREDIT BUREAUS AND XXXX XXXX XXXX. I am a victim of identity fraud, and this company refuses to send me the required information so I can at least do my own investigation to find out exactly who has sabotaged my credit and, abused my personal information to acquire credit. XXXX XXXX XXXX continues to send me pointless letters stating that the account belongs to me, but never sends actual and documentary proof. I have requested hard proof such as ; 1 ) Verification and documentation that there is a valid basis for your companys charge-off of the alleged debt. 2 ) A copy of the written agreement ( bearing my signature ). 3 ) A copy of every billing statement. 4 ) The five personal identifiers associated with this account including full legal name, address of record ( the address used to open this account ), date of birth, zip code, and social security number ( not truncated ) I have never received a welcome packet, any billing statements, or a contract agreement from this company. According to FCRA 623 ( a ) ( 7 ) Negative Information : " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer ''. I have NEVER received any NOTICES from this company. According to my own investigations, I believe this account was opened FRAUDULENTLY under an address that I HAVE NEVER RESIDED using my personal information, and this company ALLOWED THIS WITHOUT PROPERLY VERIFYING MY INFORMATION. If this is not the case, WHY HAVENT THIS COMPANY SENT ME THE INFORMATION I HAVE REQUESTED. ( SENDING ME A BLACK INK WRITTEN LETTER SHOWING MY NAME AND ACCOUNT BALANCE IS NOT VALIDATING THIS ACCOUNT ) I have attached all correspondence between me and XXXX  XXXX XXXX  showing their non-compliance. I am submitting this concern to the CFPB, The FTC, and The XXXX  for my evidence files in case/when litigation is filed against this company and The 3 Credit Bureaus. Attached is an identity theft report, along with a DC # for my current Police Report regarding this Identity Theft.

Company response to consumer: Closed with explanation