Consumer complaint received 2022-01-15
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 HAVE TRIED MULTIPLE ATTEMPTS TO CONTACT THE XXXX MAJOR CREDIT BUREAUS XXXX, XXXX, AND EQUIFAX ABOUT THE FRAUDULENT ACCOUNTS AND INACCURATE INFORMATION THEY ARE REPORTING ON MY CREDIT REPORT. XX/XX/XXXX I PULLED MY CREDIT REPORT AND TO MY SURPRISE THERE ARE MULTIPLE ACCOUNTS SHOWING INACCURATE, UNVERIFIABLE, AND FRAUDULENT ACCOUNTS ON MY REPORT. IN XXXX I WAS A VICTIM OF IDENTITY THEFT THE SUSPECT XXXX XXXX HAD STOLEN MY INFORMATION AND FILED TAXES IN MINE AND MY CHILDRENS NAME AND RECEIVED XXXX FOR THE FRAUDULENTLY FILED TAX RETURN. I ALRETED THE IRS AND THE AUTHORITIES OF THIS EVENT. NOW LOOKING IN XXXX I PULLED MY CREDIT REPORT AND FOUND THE FOLLOWING FRAUD ACCOUNTS ON MY REPORT. 

XXXX REPORTING : ACCT NAME : XXXX XXXX XXXX ACCT # : XXXX AMOUNT : {$12000.00} FRAUD ACCOUNT PLEASE REMOVE XXXX, XXXX XXXX EQUIFAX XXXX : ACCT NAME : XXXX ACCT # : XXXX THIS ACCOUNT IS A DUPLICATE SHOWING UP ABOUT XXXX DIFFERENT TIMES WITH DIFFERENT AMOUNTS ON EACH ACCOUNT. HOW IS THAT POSSIBLE? PLEASE REMOVE FOR INACCURATE REPORTING INFORMATION THAT IS AGASNT MY CONSUMER RIGHTS AND IS BREAKING THE FRCA LAWS. I DEMAND THIS ACCOUNT BE REMOVED. 

XXXX, XXXX, EQUIFAX XXXX : ACCT NAME : XXXX XXXX ACCT # : XXXX AMOUNT : {$200.00} I DEMAND THIS FRAUD ACCOUNT BE REMOVED. 


XXXX, XXXX, EQUIFAX REPORTING : ACCT NAME : XXXX  XXXXXXXX XXXX ACCT # : XXXX, XXXX, XXXX AMOUNT : {$640.00}, {$750.00}, {$920.00} THESE ACCOUNTS ARE FRAUDULENT AND IVE ASKED FOR THESE ACCOUNTS TO BE REMOVED, XXXX HAS SAID THE ACCOUNTS WERE VERIFIED HOW ARE THEY VERIFIED THEY HAVE SENT ME NO PROOF OF THIS NEITHER CAN THEY BE VERIFIED THEY ARE FRAUDULENT ACCOUNTS, EQUIFAX AND XXXX HASNT EVEN REPONDED TO THE INITIAL DISPUTE NEITHER TO MY REQUEST TO COMPLY TO THE TIMEFRAME THEY HAVE TO INVESTIGATE THE ACCOUNTS IT HAS BEEN OVER 45 DAYS AND WAY PAST THE TIME THEY ARE ALLOWED TO INVESTIGATE THIS MATTER. I AM AWARE THAT UNDER FCRA LAWS THEY HAVE TO DELETE THE ACCOUNTS IN QUESTIONS IF THEY HAVE NOT COMPLETED THEIR INVESTIGATION IN 30 DAYS! I DEMAND THESE ACCOUNTS BE REMOVED. 

EQUIFAX REPORTING : ACCT NAME : XXXX XXXX ACCT # : XXXX AMOUNT : {$3900.00} THIS ACCOUNT IS FRAUDULENT I HAVE SENT THE BUREAUS PROOF OF MY ID THEFT REPOPRTS STATING THESE ACCOUNTS AND THEY COME BACK VERIFIED HOW ARE THEY VERIFYING INFORMATION THATS FRAUD? SOMEONE IS NOT DOING THEIR JOBS CORRECTLY IF THIS IS THE CASE I DEMAND THIS ACCOUNT BE DELETED. 


EQUIFAX REPORTING : ACCT NAME : XXXX ACCT # XXXX AMOUNT : XXXX THIS ACCOUNT IS A FRAUD ACCOUNT AND NEEDS TO BE DELETED IMMEDIATELY EQUIFAX AND XXXX REPORTING : ACCT NAME : XXXXXXXX XXXX ACCT # : XXXX AMOUNT : XXXX XXXX THE ACCOUNT IS FRAUDULENT AND TO MY SURPRISE THEY ARE NOT REPORTING THE SAME INFORMATION ONE IS SHOWING A PAST DUE AMOUNT ONE ISN'T THE DATES ARE OFF ON BOTH ENDS THERES JUST SO MANY INCONSISTENCIES IN THIS REPORT THIS CAN NOT BE REAL. I ASK THAT THEY COMPLY WITH THE FCRA LAWS AND DELETE THIS ACCOUNT DUE TO THE WIDELY UNVERIFIABLE INFORMATION AND DUE TO THE ACCOUNT BEING FRAUD. 





I ALSO ASK THAT ANY HARD INQUIRY ON MY REPORT BE DELETED. ANYTHING FROM XXXX FROM THE IDENTITY THEFT EVENT UNTIL NOW DUE TO THE BEING FRAUDULENT. I HAVE SPOKEN WITH XXXX AND SET UP A FRAUD ALERT FOR MY REPORT AND I ASK XXXX AND EQUIFAX DOES THE SAME. 



I ALSO HAVE ASKED FOR MY PERSONAL INFORMATION TO BE UPDATED MY NAME IS XXXX XXXX XXXX. AS PRINTED ON MY GOVERNMENT ISSUED DRIVERS LICENSE. 

MY ADDRESS IS AS FOLLOWS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV, XXXX MY EMPLOYMENT AS FOLLOWS : DRIVER I DEMAND THAT ANYTHING THAT DOES NOT MATCH THE INFO BEING PROVIDED ABOVE BE DELTED OR UPDATED. 



I HAVE BEEN THROUGH SO MUCH BEING A VICTIM OF IDENTITY THEFT IT HAS RUINED MY LIFE THEN TO KNOW THAT YOU GUYS ARENT TAKING THIS MATTER SERIOUS IS EVEN FURTHERING THIS DAMAGE. I WOULD LIKE A UPDATED COPY OF MY REPORT REFLECTING THESE CHANGES TO THE ADDRESS LISTED ABOVE.

Company response to consumer: Closed with explanation