Consumer complaint received 2023-02-20
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:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNTS ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHOD USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.- XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX ( XXXX XXXX ) XXXX  ( XXXX XXXX ). PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS AND ANY OTHER VARIATIONS YOU HAVE THAT MAY NOT BE LISTED ON THIS DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX , MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX , MI XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX, MY PHONE NUBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.

Company response to consumer: Closed with explanation