Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: MI
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:
Account names XXXX XXXXXXXX XXXX  - XXXX $ the creditor has neglect to provide any request information to the credit bureaus within the 30 day period on several attempts to dispute this account thats clear fraudulent documentation has been provide to all 3 credit bureaus of this matter to exclude me from this debt thats fraud credit bureaus has update wrong address, emails and phone numbers to my personal file, I have provide mail and ID of provide of residence and police report to proof my claim, XXXX XXXX XXXX  - fraudulent account and charges {$910.00} and & XXXX credit bureaus has neglect to throughly investigate this account and has accuse me and damaged by credit by not update my credit file for servers l years of dispute this problem. When documents has been sent to proof identity several times XXXX XXXX XXXX - fraudulent account {$1400.00} third party collection from XXXX  XXXX, has falsified amount and add interest to a fraudulent account by original debtor by the name of XXXX XXXX, which hasnt proof this debt which is identity theft and credit bureaus has fail to correct. This matter when documents of proof has been submitted to them of identity thief XXXX XXXX  - paid and full account hasnt Verified any late payment on a closed pay account. 

XXXX XXXX  - fraudulent charges {$2600.00} and account Do to the credit bureau clearly updating wrong information to my credit file they have allow these fraudster to open up fraudulent accounts and charges under my name. Creditor neglecting the fraud alert on my credit report which has been on my account for several years, these fraudster still has managed to steal my identity, the credit bureau has had documentation several times over the past years to update and correct these errors I have showing documentation on accounts like XXXX XXXX XXXX XXXX on my credit report that has been paid as agree which still hasnt been update to closed pay as agreed account, which was collected by third party lender that has identified there self as a collector for XXXX XXXX XXXX XXXX. Which I provide documentation of that agreement that has been pay and as agreed second the credit bureau continue to allow this creditor to update closed and charge off fraudulent account which documentation has been provide to them that clear shows that fraud has occurred, I have provide valid license, correct mailing address, insurance policy as mail, social Security card, FTC report, police report, on all accounts listed above a cross all 3 credit bureau which hasnt provide me with fully accurate credit report across the board, has neglect every dispute I have filed on this matter even when I have provide documentation that they have ask for, they have allow creditors to report pass statue of limitations, and ignore my FCRA rights as a consumer, trusting they will immediately these account when they are clearly fraudulent and they have the documentation, the creditors hasnt provide wrong information on this accounts. Due to the credit bureau updating fraudulent information to my credit report, and do to me summiting accurate information to verify myself and sending documentation to clear this matter, Im holding the credit bureaus fully responsible for not only damaging my credit but not taking this matter seriously when documentation was clearly provide to them several times to clear this matter. Creditor hasnt provide original signed agreement of these accounts with my consent or signature or accurate mailing address or any signed agreement with there company by me. Credit bureaus are clearly in violation of the fair credit act right plus several more Violation as well. 15US code 1681c-1 a ( p ) 15US code 1681c-2 ( a ) and b 15 US code 1681 n ( a ) 1 ( a ) 15 US code 1681 s -2 ( a ) 1 ( b ) ( i ) and ( ii ).

Company response to consumer: Closed with explanation