Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX am a victim of Identity Theft.. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on XX/XX/XXXX. ( report No XXXX ) with XXXX Police Department. I, ve also mailed in certified letters to XXXX, Equifax and XXXX. I received nothing. I also believed my information was leaked due to the information breach with Equifax. The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired me a lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ) He notice several instances where XXXX, Equifax and XXXX are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. XXXX, Equifax and XXXX continue to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims.I am sure that XXXX, Equifax and XXXX did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that XXXX, Equifax and XXXX reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX, Equifax and XXXX has violated the FCRA..XXXX, Equifax and XXXX   has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XX/XX/XXXX. 

Here are fraudulent accounts and inquires as followed per bureau ( XXXX ) FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX/XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX {$190.00} ( XXXX   INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( EQUIFAX ) FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} XXXX {$59.00} XXXX {$130.00} XXXX {$59.00} XXXX {$190.00} XXXX {$190.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX/XXXX XXXX XXXX XXXX {$1000.00} the XXXX/XXXX XXXX XXXX XXXX {$3400.00} ( EQUIFAX INQUIRIES ) XXXX XXXX XXXX XXXX XXXX us department of EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX   XXXX XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$59.00} XXXX XXXXXXXX XXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client XXXX XXXX of XXXX   Director of XXXX consumer interactive serving XXXX XXXX of XXXX Senior analyst Consumer Experiences XXXX XXXX of XXXX Senior vice president at XXXX XXXX XXXX of XXXX Director fraud and identity management XXXX XXXX of Equifax senior vice president enterprise fraud ID theft XXXX XXXX of Equifax Chief information officer XXXX XXXX of Equifax Fraud and identity product manager XXXX XXXX Of XXXX Customer service manager XXXX XXXX of XXXX   operations manager XXXX XXXX of XXXX XXXX   consumer Services XXXX XXXX of XXXX CFE, CCIA compliance Fraud Investigator We also have sent certified letters to each department head listed above stating our claim, giving them a opportunity to rectify the continued mistakes of there respective credit bureau. So they will be personal held responsible and personal claims will be brought against each bureaus and there department heads.

Company response to consumer: Closed with non-monetary relief