Consumer complaint received 2023-09-23
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 formally lodge a complaint regarding the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. I am deeply concerned about the damaging impact these inaccuracies are having on my financial well-being and overall creditworthiness. 

The fraudulent items in question have been causing significant distress and hardship. I initially discovered these discrepancies, and since then, I have been diligently attempting to rectify the situation through your organization. Regrettably, my efforts have been met with continuous challenges and roadblocks. 

I made my first dispute request to remove these fraudulent items, providing all the required documentation and supporting evidence of their inaccuracy. Despite adhering to the proper procedures, I received notification that my request was denied without a clear explanation or proper investigation. 

Not willing to give up, I submitted a second dispute request, reiterating the evidence of the fraudulent nature of these items. To my dismay, this request was also denied without any meaningful resolution or clarification. 

Subsequently, I made a third and final attempt to rectify this situation, hoping that this time my concerns would be addressed appropriately. Unfortunately, I have yet to receive any indication of progress or resolution regarding this matter. 

It is crucial for me to emphasize the severe consequences of these fraudulent items on my creditworthiness. They have adversely affected my ability to obtain loans, credit cards, and favorable interest rates, making it extremely challenging to pursue my financial goals and obligations. 

I am left with no choice but to escalate this matter further and request that you take immediate and decisive action to resolve the inaccuracies on my credit report. I expect a comprehensive investigation into the legitimacy of these items and, if found to be fraudulent, their prompt removal from my credit history. Furthermore, I request that you provide written documentation confirming the removal of these inaccuracies and their impact on my credit score. 

I also urge your organization to take proactive measures to prevent such inaccuracies from occurring in the future. The lack of responsiveness and appropriate action in handling these disputes is a matter of significant concern, and it is essential that you improve your dispute resolution process to better serve your customers. Kindly assist me to removed these fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$660.00} Original Creditor XXXX XXXX XXXX XXXX Balance {$130.00}, XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$130.00} XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation