Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: CA
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 XXXX am notifying you that I am a victim of identity theft due to the tender of payment not being returned to me and possibly cashed in at any Federal Reserve Bank or The US Treasury, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. Send notices to alleged creditors whom have not returned Tender of Payment [ s ] I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to reopen an account at your company. I did not open or authorize this account after the payment was tendered, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. If anything this account should show paid in full and closed. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, HISTORY OF XXXX XXXX AKA XXXX  AKA XXXX - According to the SEC reports XXXX XXXX XXXX XXXX ( XXXX ) has been informing customers that it will soon be changing its name to XXXX XXXX. ... They are two separate banks with separate FDIC charters. However, both are currently part of the XXXX XXXX XXXX. Prior to its XX/XX/XXXX initial public offering, which raised {$2.00} XXXX, XXXX operated as a subsidiary of XXXX XXXX. XXXX XX/XX/XXXX, a wholly owned subsidiary of XXXX XXXX, was previously known as XXXX XXXX XXXX XX/XX/XXXX until XX/XX/XXXX. They failed to disclose this information in their agreement. It is important to know who the alleged debt is owed to for it is not XXXX XXXX. The company was renamed XXXX XXXX in XX/XX/XXXX, although it was founded in XX/XX/XXXX as the XXXX XXXX XXXX XXXX ( XXXX ) to be a provider of financing to automotive customers. Hidden within a name creating confusion! XXXX Aka XXXX XXXX has eluded and avoided to produce the original contract due to the failure to disclose who is who. If XXXX is XXXX XXXX  and hid this information from the consumer and from the US Government please see 2014-CFPB-0007 Document 1 Filed XX/XX/XXXX Page 1 of 46 lawsuit showing XXXX XXXX f.k.a XXXX discriminated against consumers in various ways. As to this situation they are discriminating for not applying the Tender Of Payment with fraudulent and perjury reasons which are not true false and deceptive. I received emails and online adds from XXXX XXXX, In fact, if you looked prior to XX/XX/XXXX, you wouldn't have seen XXXX XXXX  anywhere. Then, in what appears to be an instant, it was everywhere. That's because XXXX XXXX was founded in XX/XX/XXXX but operated as a subsidiary of XXXX XXXX. It's now a retail bank but they don't discuss their history much. It would IPO in XXXX on the XXXX with the ticker XXXX to the tune of {$2.00} XXXX. It didn't appear out of nowhere unless you consider an IPO out of nowhere. ( does this story sound familiar? XXXX XXXX   was once XXXX XXXX XXXX XXXX, XXXX 's financial services arm, and these stories rhyme ) CFPB Orders XXXX XXXX to Pay {$220.00} XXXX in Consumer Relief for Deceptive and Discriminatory Credit Card Practices XX/XX/XXXX. Please remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief