Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: NJ
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:
Hello I dont know what happened Im a XXXX I work XXXX  hours a day please help with this. I wouldnever damage my credit. Please help and delete this Alleged Creditor : XXXX/XXXX - XXXX, The inquiry was not authorized Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
Alleged Creditor : XXXX/XXXX  - XXXX, This account is not mine Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.

Alleged Creditor : XXXX/XXXX - XXXX, This account is not mine Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
Alleged Creditor : XXXX - XXXX, This account is not mine Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of  confirmation, notes, etc. 
Alleged Creditor : XXXX  - XXXX, This account is not mine Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
Alleged Creditor : XXXX/XXXX   XXXX  - XXXX, This account is not mine Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
Alleged Creditor : XXXX XXXX - XXXX, This account is not mine Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
Alleged Creditor : unnamed - XXXX, This account is not mine Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
Alleged Creditor : XXXX  XXXX - XXXX, The inquiry was not authorized Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
Alleged Creditor : XXXX XXXX - XX/XX/2020 -, The inquiry was not authorized Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal reportability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes substantial display of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still making unfounded claims in my report. 
I am seeking every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes as well as anything even unknown to be provide with required documentation. Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner.

I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.

Have a wonderful Day. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, New JerSEY SSN # XXXX D.O.B. XXXX

Company response to consumer: Closed with explanation