Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: KY
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:
For : Federally Protected Consumer Rights Violations Under 15 USC 1681Fair Credit Reporting Act Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact so be it, The Fair Credit Reporting Act Say, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Pursuant to 15 USC 1681c- my consumer rights were violated by not having the alleged debt deleted from my credit file when I informed you that I was a victim of identity theft. I never applied for a loan which would cause me to be in debt and owe any outstanding balance. It is unlawful to attempt to collect on a debt that is not owed. The civil liability for this violation is {$1000.00}. 
Pursuant to 15 USC 1681b- my consumer rights were violated by not having my written instructions to report anything on my behalf to any credit reporting agency. There is no permissible purpose to report anything without my prior authorization! There is no law that states you have to report anything be reported to any credit reporting agency so I demand it be deleted from all credit reporting agencies immediately. The civil liability for this violation is {$1000.00}. 
Pursuant to 15 USC 1681n- Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Pursuant to 15 USC 1681o- Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
I am a federally protected consumer and my rights are being violated. I am being abused and mistreated and my intelligence is being insulted with these fraudulent inaccurate acounts appearing on my credit file. I have been more than reasonable trying to get this issue handled for many month using communication through the CFBP and the FTC and I have a long paper trail. I refuse to keep being abused and taken advantage of. If my demands are not met then I will escalate my issue and seek further remedies! I demand the following accounts be deleted immediately. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Violation of FCRA XXXX  XXXX  Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX XXXX XXXX  XXXX Account Number : XXXX This account is inaccurate and I'm seeking litegation please delete at once By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. My patience is running out and if these inaccurate/fraudulent items are not removed from my credit file immediately I will escalate the issue and make a complaint with the Consumer Finance Protection Bureau and also the Federal Trade Comission. I am suffering XXXX  and financially because the bureaus are reporting inaccurate/fraudulent items to my credit file that is damaging my ability to obtain credit.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation