Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
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:
XXXX stole my personal information and opened a frivolous fraud claim for my XXXX XXXX and XXXX XXXX store charge card. See CFPB complaint # XXXX and see attached dispute # XXXX. I never sent Equifax any documents about fraud via USPS. Those documents was sent by XXXX XXXX XXXX who been breaking the law and harassing me since XXXX and who sent Police to my home on XX/XX/2023! 
XXXX employees stole my personal information and created a fake fraud case with Equifax. XXXX sent Equifax documents via USPS using my personal information, my name, date of birth, social security number to open a dispute without my knowledge and without my consent! XXXX did this to hurt me financially and to take away my charge card from XXXX XXXX. XXXX started their harassment and unlawful harassment against me after a lawfully filed dispute I made about merchandise that I never received from the merchant and after the XXXX XXXX resolved the dispute by crediting my XXXX XXXX back the money that was taken for merchandise I never received! See attached screenshot of credits placed on my account on XX/XX/XXXX by the XXXX retail store! 

XXXX opened this fraud dispute with Equifax for both of my credit cards! I had no issue with neither of my credit cards! I have zero collections and both my accounts are paid as agreed! XXXX already closed my XXXX credit card on baseless reason! Now XXXX stole my identity to open a dispute with Equifax falsely stating that fraud is on my XXXX XXXX account and my XXXX XXXX store credit card! That is yet another example of XXXX unlawful business practices towards XXXX American Customers. XXXX has lied repeatedly and did many unlawful things towards me! XXXX stole my information and opened a dispute on my credit report with Equifax! They have no legal right to do this! I have zero issues with my XXXX XXXX credit card yet XXXX opened this dispute with Equifax fraudulently and made sure they are in charge of investigating these fraud accusations! XXXX has harassed me since XXXX! I am the only one who can open disputes on my credit report! Not XXXX! 

XXXX unlawful actions have caused me tremendous stress and financial harm! XXXX is damaging my credit due to their unlawful business practices and repeated lies and harassment against me! They lied repeatedly. And now they sent my account with XXXX to an collection agency when I never missed a payment for my XXXX credit card! And I have zero collections on my credit report! Equifax placed red flags on my credit report. Contacted other creditors that fraud has taken place! There is no fraud involving me! Only thing thats happening is XXXX ongoing law breaking and discrimination against me! Because of this my accounts are being closed because of XXXX unlawful ongoing harassment towards me and XXXX impersonating me to open fraud cases! 

Equifax forced me to use their computer software to upload my ID and take a photo of me! The XXXX software Equifax is using stated, my face is not recognizable! This is because I am XXXX American and I have no rights here in America! XXXX is still harassing me! XXXX stole my identity! XXXX is using a name XXXX XXXX XXXX in their ongoing unlawful fraud investigations against me! XXXX have an active unlawful fraud investigation against me that they started with Equifax. I have never contacted Equifax or send any documents to Equifax this year in regards to my credit cards that are issued my XXXX! To date they are harassing me since XXXX. Nobody doing anything to help me end this! I never sent any documents to Equifax via US Mail. I wrote Equifax repeatedly for copies of the documents they received in the mail that opened this fraud investigation that XXXX is investigating against me! Equifax refused to provide me the documents! I need help because both companies violated the Fair Credit Reporting Act, the Truth & Lending laws. My Civil Rights, my right to privacy! XXXX has taken {$12000.00} in credit away from me for no valid legal reason! XXXX deceptive business practices needs to stop immediately and XXXX be fined!

Company response to consumer: Closed with explanation