Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: CO
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:
The Fair Credit Reporting Act states that a creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. I have done this several times and received no such documents. It also states If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. Attached you will find a copy of my FTC Fraud Report. And since you did not provide me with all documentation in regards to my investigation you must delete the account. ANY AND ALL parties who you are allegedly verifying this debt from stole my identity. You are also reporting inaccurate information such as late payments which is a billing error pursuant to 15 USC 1666B. The fraudulent account has been deleted by another consumer reporting agency so once again they are displaying false information. If the other agency could not verify this debt how could Equifax? They also contradict themselves in their response stating that all unpaid collections will remain on the credit file for 7 years however the other collections that they removed was also unpaid and is no longer reporting. They said " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE '' so here it is : XXXX XXXX XXXX Account Opened : XX/XX/2021 Total fraud account. There explanation to my complaints were as follows " XXXX. XXXX XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. '' I would like to reiterate they did not provide me with the documents I asked for. They also state " IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS : UPON RECEIPT OF YOUR DISPUTE, WE FIRST REVIEW AND CONSIDER ANY RELEVANT INFORMATION YOU SUBMITTED REGARDING THE NATURE OF YOUR DISPUTE. OFTEN, EQUIFAX WILL THEN TRANSMIT YOUR DISPUTE TO THE FURNISHER OF THE INFORMATION ( IE. THE BANK ASSOCIATED WITH A DISPUTED CREDIT CARD ) FOR REVIEW AND INVESTIGATION. EQUIFAX ELECTRONICALLY SENDS A NOTIFICATION OF YOUR DISPUTE, INCLUDING A SUMMARY OF THE RELEVANT INFORMATION SUBMITTED, TO THE RESPECTIVE FURNISHER. THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY. '' No agencies who they are going through got this information any other way but identity theft. They continue to say " IN THE CASE OF A PUBLIC RECORD ITEM SUCH AS A JUDGMENT, TAX LIEN OR BANKRUPTCY, EQUIFAX SEEKS THE MOST RECENT FILING ASSOCIATED WITH THE DISPUTED INFORMATION. THIS INFORMATION IS OFTEN OBTAINED FROM A MEDIUM ( IE. PAPER RECORDS OR COMPUTER DATABASE ) PRESCRIBED BY THE SOURCE OF THE INFORMATION ( IE. COURTHOUSE OR OTHER GOVERNMENT ENTITY ). EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. AS APPROPRIATE, EQUIFAX THEN MAKES DELETIONS OR CHANGES TO YOUR CREDIT FILE. THE NAME, ADDRESS AND, IF REASONABLY AVAILABLE, THE TELEPHONE NUMBER OF THE FURNISHER ( S ) /SOURCE ( S ) OF THE INFORMATION CONTACTED WHILE PROCESSING YOUR DISPUTE ( S ) IS SHOWN UNDER THE RESULTS OF YOUR INVESTIGATION SECTION ON THE COVER LETTER THAT ACCOMPANIES THE COPY OF YOUR REVISED CREDIT FILE '' so once again I will state any vendor who they go through stole my identity no one besides myself has the ability to verify the debt. It was added through fraud and I demand it be removed. Attached you will also find a copy of what Equifax sent me none of which are the documents I requested and none of it verifies that I own this debt. I would like to say one more time XXXX. XXXX XXXX has no authority to verify this debt they stole my identity nor any other vendor who Equifax is working with. 
15 USC 1681C-2 block of information resulting from Identity Theft. You have four days to remove this account. FTC Report # XXXX

Company response to consumer: Closed with explanation