Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of identity theft and I am writing you to dispute fraudulent the information in my credit report. Foremost, the accounts listed below are fraudulent and was previously blocked and you have an obligation by law to continue to block information resulting from identity theft. On XX/XX/XXXX, XXXX - XXXX XXXX denied my application for a bank account and on XX/XX/XXXX, I was denied credit by XXXX XXXX XXXX because your credit bureau is reporting previous blocked and fraudulent information to creditors while reporting different information on the credit file given to me on XX/XX/XXXX. 

On XX/XX/XXXX, I pulled my Equifax credit file from XXXX  ( report confirmation XXXX ) which contains fraudulent and previous blocked information due to identity theft. On XX/XX/XXXX, I pulled my credit file from Equifax.com and attempted to dispute the previously blocked accounts in my credit file and the previously blocked accounts do not appear in my credit file on Equifax.com nor on the XX/XX/XXXX dispute results letter ( report confirmation XXXX ) given to me by Equifax. On XX/XX/XXXX, I have also pulled my credit file on XXXX credit file and my report does not contain the previously blocked accounts. 

Equifax failed to continue block fraudulent information from my credit report due to fraud. Please immediately block the fraudulent information and update my credit file accordingly within four business days of receipt of this letter according to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. 

Fraudulent Accounts Company : XXXX Networks Date : XX/XX/XXXX Acct : XXXX Amount : {$0.00} Date Reported : XX/XX/XXXX Reason : Identity Theft Victim- Fraudulent account, please remove. This account is not open and was previously blocked. 

Company : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Acct : XXXXXXXXXX Amount : {$4000.00} Date Reported : XX/XX/XXXX Delinquency Date : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason : Identity Theft Victim- Fraudulent account, please remove. This was previously blocked. 

Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Acct : XXXX Amount : {$25000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Reason : Identity Theft Victim- Fraudulent account, please remove. This was previously blocked. 

Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Acct : XXXX Amount : {$96000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Reason : Identity Theft Victim- Fraudulent account, please remove immediately. This was previously blocked. 

Fraudulent Public Record Reference Number : XXXX Type : Bankruptcy Date Filed : XX/XX/XXXX Reason : Identity Theft Victim- Fraudulent public record, please remove immediately. This was previously blocked. 

As an identity theft victim, I have a right to request the block of fraudulent information in my credit report with the appropriate documentation. I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft, my identity theft and police report. As I have submitted an identity theft affidavit, police report and supporting documentation more than four times, this should already be on file. I would like to get this matter resolved in a timely manner.

Company response to consumer: Closed with explanation