Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved fraudulent items that continue to appear on my credit report. Despite multiple attempts to address this issue, I have yet to see any substantial progress towards their removal. 

I have been diligently monitoring my credit report and have identified several fraudulent items that have no association with my financial history. These fraudulent entries include [ list specific fraudulent items, such as unauthorized accounts, late payments, or collections ]. These inaccuracies are not only damaging my credit score but also causing significant distress and XXXX 

I first became aware of these fraudulent entries. Since then, I have taken the following steps to rectify the situation : I submitted formal dispute letters to your agency, clearly outlining the fraudulent items in question and providing supporting documentation to prove their inaccuracy. 

Subsequently, I have made several follow-up inquiries through both written correspondence and phone calls to inquire about the status of my dispute and the progress toward resolution. 

In compliance with your agency 's requirements, I filed identity theft reports with the relevant authorities, including the Federal Trade Commission ( FTC ), to document the fraudulent activities and support my claims. 

Despite my efforts and adherence to your agency 's dispute resolution process, these fraudulent items remain on my credit report, tarnishing my financial reputation and causing me significant harm. I firmly believe that prompt and decisive action is necessary to rectify this situation. 

Therefore, I kindly request the following actions to be taken immediately to address this issue : I urge your agency to expedite the investigation into the fraudulent items on my credit report. A swift resolution is essential to mitigate the harm caused by these inaccuracies. 

Upon confirmation of the fraudulent nature of these items, I request their immediate removal from my credit report. This action is crucial to restore my creditworthiness. 

I expect timely and transparent communication from your agency regarding the status of the investigation and resolution. Regular updates on the progress of my dispute are essential to rebuilding my trust in your services. 
I request that a fraud alert be placed on my credit file to provide an additional layer of protection against further unauthorized activity. 

I understand that the process of investigating and rectifying fraudulent items can be complex, but it is imperative that my concerns are addressed without further delay. The inaccuracies on my credit report are negatively impacting my financial stability and my ability to secure loans or credit on fair terms. I am asking for your immediate assistance to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief