Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX I noticed multiple accounts, inquiries, addresses and phone numbers on my credit file that did not belong to me. I disputed the fraudulent accounts with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and received letters from each bank concluding the accounts were fraud and I had no financial responsibility for these accounts because of it. On XXXX XXXX, XXXX I forwarded my police report, victims statement, proof of identity and letters from XXXX XXXX XXXX and XXXX concluding that each account was fraudulent. I sent the dispute via certified mail with XXXX. Equifax received my mail XXXX XXXX, XXXX. As of XXXX XXXX, XXXX each fraudulent account continues to report on my account. I called Equifax today, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX am CT and spoke to XXXX. I asked why these accounts continue to report on my Equifax file when I sent all necessary documentation proving it to be fraud. XXXX, who was very rude and abrasive, informed me that the accounts were " verified as being mine. '' I informed XXXX the accounts are fraudulent and are not mine, in addition each bank has agreed to them being fraudulent via the letters I was provided and provided Equifax with. Per my rights with the FCRA, Equifax had 30 days to complete my dispute and remove the fraudulent accounts. I never received any documentation in the mail saying the investigation was complete and the accounts were verified as mine either. I then asked XXXX for a method of verification letter with all certified documents that were exchanged between Equifax and the banks of the fraudulent accounts, as a consumer I have a right, per the FCRA, to be provided this information. I have a right to know what documents were exchanged, who Equifax spoke to at XXXX XXXX XXXX and XXXX, what information was provided to conclude these accounts belong to me, etc all within 15 days of the request from the consumer. XXXX informed me he will not be sending me a method of verification letter, which is violating my rights! If these fraudulent accounts are not removed immediately I will be contacting a lawyer and filing suit, there will be depositions involved and subpoenaing of records and phone calls. I do not want to go down this road however if this matter is not resolved immediately I will do so. This erroneous entries on my Equifax report is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If Equifax choose not to provide the requested deletion or requested method of verification letter I requested of their " investigation '', I will pursue the enforcements of my constitutional rights via federal court proceedings. In the meantime I will like to file a complaint with you all against them. I had no problem getting XXXX and XXXX to remove these fraudulent accounts however Equifax is being difficult even after I provided ALL necessary documents to prove these accounts are fraud.

Company response to consumer: Closed with explanation