Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : XXXX XXXX BANK Account Number : Account Opened : XX/XX/XXXX Balance : {$400.00} Fraudulent/Negative Accounts : XXXX XXXX  Account Number : Account Opened : Balance : {$440.00} Continue next page Fraudulent Collection Accounts : XXXX XXXX XXXX Account Number : Collection Opened : Balance : {$690.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection Opened : Balance : {$680.00} Fraudulent Collection Accounts : XXXX XXXX XXXX Account Number : Collection Closed : Balance : Fraudulent Collection Accounts : XXXX XXXX XXXX Account Number : Collection Closed : Balance : Fraudulent Collection Accounts : Account Number : Collection Opened : Balance : Inquiry Name : XXXX AUTO ( Auto ) Date XXXX XX/XX/XXXX. XXXX Inquiry Name : XXXX XXXX XXXX ( Finance ) Date : XXXX XXXX Inquiry Name : XXXX XXXX XXXX ( Finance ) Date : XX/XX/XXXX Inquiry Name : XXXX AUTO XXXX XXXX ) Date : XXXX XXXX Inquiry Name : XXXX XXXX XXXX ( Finance ) Date : XX/XX/XXXX Inquiry Name : XXXX XXXX/ XXXX XXXXI ( Finance ) Date : XXXX XXXX Inquiry Name : XXXX  XXXX XXXX XXXX ( Finance ) Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX ( Bank ) Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX ( XXXX ) Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX ( finance ) Date : XXXX XXXX Inquiry Name : XXXX XXXXL ( Finance ) Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XX/XX/XXXX Continue next page Inquiry Name : XXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX ( Finance ) Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Name : XXXX  Date : XXXX XXXX Inquiry Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Name : XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Date : XXXX XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX 2019

Company response to consumer: Closed with explanation