Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: NV
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 reached out to Equifax on XX/XX/XXXX to report fraudulent items on my consumer report. I submitted a prior CFPB complaint back on XX/XX/XXXX and on XX/XX/XXXX. In both of those complaints I provided the FTC reports and police reports for the XXXX fraudulent accounts on my consumer report with Equifax which are XXXX XXXX XXXX XXXX XXXX XXXX Accounts and XXXX XXXX  account. On one report Equifax claimed they verified the account as accurate, but didn't provide me any details as to what they verified or how they verified, further more it's a fraudulent account, so Equifax can't possibly verify a fraudulent account. On the other CFPB report Equifax stated to the CFPB that in order for them to remove the fraudulent accounts they needed proof of my identification, which was a copy of government issued ID, a copy of my social security card or other related documents to prove my identity. When I talked to the representative today at Equifax she informed me that they haven't received any documentation or complaints that I have submitted to the CFPB and she also stated they have had my identity documents on file since XX/XX/XXXX. I'm trying to figure out why would Equifax state these statements to the CFPB. Also I noticed today on my myEquifax.com, that another social security number is linked in to my name and Date of Birth. This isn't the first time this has happened and I have already addressed this before with Equifax. They disputed it prior but now it's showing back up. So I'm trying to figure out how Equifax has this on file and which accounts are accurate and which are not, if they can't even keep my personal information safe and secure and accurate. Remove and block these accounts immediately as Equifax is violating 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Accounts that needs to be removed and blocked immediately from my consumer report are : XXXX XXXX XXXX XXXXXXXX : ACCOUNT NUMBER XXXX : AMOUNT : {$5400.00} XXXX XXXX XXXX XXXXXXXX : ACCOUNT NUMBER XXXX : AMOUNT : {$2400.00} XXXX XXXX XXXX XXXX : ACCOUNT XXXX : XXXX : AMOUNT : {$10000.00} THESE ACCOUNTS NEEDS TO BE BLOCKED AND REMOVED IMMEDIATELY DUE TO IDENTITY THEFT, NOT VERIFIED OR DISPUTED I HAVE ATTACHED THE PRIOR CFPB COMPLAINTS TO THIS COMPLAINT AND ALSO PHOTOS OF THE TWO SOCIAL SECURITY NUMBERS THAT ARE REPORTING ON MY EQUIFAX REPORT.

Company response to consumer: Closed with explanation