Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: MA
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 am ( XXXX XXXX ) 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/2021 ) ( report XXXX XXXX XXXX with ( Massachusetts ) Police Department. I, ve also mailed in certified letters to Equifax. I received nothing. Im also sure my information was leaked due to the information breach with Equifax. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX, XXXX ) He notice several instances where Equifax are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. Equifax continues 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 Equifax did not go through 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 Equifax will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA.. Equifax 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/2021 ). 


XXXX XXXX FRAUDULENT ACCOUNTS ) ***** I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. The following personal information is incorrect Account Number : Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Identity Theft Account Number : XXXX I have no knowledge of account, please remove it from my credit report 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 case. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President, Chief Legal Officer Equifax LLC XXXX XXXX XXXX XXXX Non-executive chairman Equifax inc XXXX XXXX Equifax CEO Equifax LLC XXXX equifax.com

Company response to consumer: Closed with explanation