Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DISPUTE TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible FRAUDULENT ACCOUNTS XXXX XXXX - XXXX XXXX XXXX XXXX Credit Card XXXX XXXX - Credit Card XXXX Last Stmt Bal : {$2200.00} Credit Limit : {$2100.00} XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Last Stmt Bal : {$3900.00} Credit Limit XXXX {$4000.00} Link XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Last Stmt Bal : {$2800.00} Credit Limit : {$7000.00} Link XXXX XXXX - Credit Card XXXX Last Stmt Bal : {$2100.00} Credit Limit XXXX {$2000.00} Link XXXX XXXX XXXX  XXXX Credit Card XXXX Last Stmt Bal : {$610.00} Credit Limit : {$600.00} Link XXXX XXXX XXXX  XXXX Credit Card XXXX Last Stmt Bal : {$560.00} Credit Limit XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Last Stmt Bal : {$480.00} Credit Limit : {$600.00} Link XXXX XXXX XXXX Credit Card XXXX Last Stmt Bal : {$390.00} Credit Limit XXXX {$400.00} Link XXXX XXXX XXXX XXXX Credit Card XXXX Last Stmt Bal : {$300.00} Credit Limit XXXX {$300.00} Link XXXX XXXX  - XXXX XXXX XXXX XXXX Credit Card XXXX XXXX Stmt Bal : {$4400.00} Credit Limit XXXX {$4500.00} Link XXXX  - Credit Card XXXX Last Stmt Bal : {$2200.00} Credit Limit : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Last Stmt Bal : {$810.00} Credit Limit : {$820.00} XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card XXXX Last Stmt Bal : {$730.00} Credit Limit : {$750.00} Link XXXX - Credit Card XXXX Last Stmt Bal : {$500.00} Credit Limit : {$500.00} Link XXXX XXXX XXXX XXXX  - Credit Card XXXX XXXX XXXX XXXX XXXX {$280.00} Credit Limit : {$400.00} Link XXXX XXXX XXXX - Other XXXX XXXX XXXX XXXX : {$110.00} Credit Limit : N/A Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


FRAUDULENT INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Name Date XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation