Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: FL
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:
Equifax has been reporting inaccurate, unverified information on my consumer credit report since at least XXXX. I have sent 4 letters asking them to verify/validate these accounts and they are refusing to delete these items yet have not given me ANY information that I requested showing how they are verifying these accounts are mine. 

Equifax states that they attained information from XXXX to verify a public record. I have confirmation/documentation from XXXX that they could not even verify the account belonged to me and have since deleted the inaccurate report. 

My very first letter was sent sometime in XXXX or early XX/XX/XXXX. I was just wanting my address updated on file and wanted all other addresses except for my current to be removed. Some of those addresses were not even accurate. They stated that they would but I see all addresses still on my credit report. I have the XXXX XXXX return receipt ( PS Form XXXX ) back from Equifax dated for XX/XX/XXXX. 
My first dispute letter was sent on XX/XX/XXXX. Documented, signed XXXX XXXX shows they received that letter on XX/XX/XXXX. 
A second dispute letter was sent. I do not have the exact address for that one but I have the PS Form 3811 showing they received that letter on XXXX XXXX. 
A third letter was sent on XX/XX/XXXX. Documented, signed XXXX XXXX shows Equifax received that letter on XX/XX/XXXX. 
Fourth letter was sent on XX/XX/XXXX that I had to resend on XX/XX/XXXX because they stated they couldn't verify my address. Equifax signed PS Form 3811 for that on XX/XX/XXXX. I never received anything back for the same letter sent again on XX/XX/XXXX. 
Final letter was sent on XX/XX/XXXX. Documented, signed XXXX XXXX shows Equifax signed that they received that letter on XX/XX/XXXX. 

In spite of all these letters, I still have invalidated, unverified accounts on my credit report, yet Equifax refuses to remove. As a result, I have had to send them a final packet on XX/XX/XXXX with all of this information, every US Code they have violated, my instructions to make this right that I am allowed to do under Federal law, and my invoice for damages Equifax has continually imposed on my person which has negatively affected my natural person. 

I have also included identity theft as Equifax is saying they have conducted an investigation with these different companies saying that they have done business with me. I have repeatedly asked for what documents they have that says I am doing business with them. Equifax has not given me any documentation or proof. I am going after these companies as well as Equifax for even being party to fraudulent activity as is my right under US Code. 

Equifax just recently updated my credit report with a series of more inaccurate and fraudulent reports as of today, XX/XX/XXXX. They seem to blatantly ignore everything I have said to them to rectify this situation. 

I have stated in EVERY letter to Equifax that I am well aware of my rights and a litigious consumer so now I am exercising my rights in hopes that Equifax will finally do the right thing.

Company response to consumer: Closed with explanation