Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: TX
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 provided sufficient and proper documentation to have inaccuracies removed from my report. This credit bureau refuses to remove the inaccuracies even after I have filed a FTC Identity Theft Affidavit as proof of identity theft. 

I asked for the credit bureau to provide me the hard evidence/documentation that they used to verify the inaccurate accounts on my report on XX/XX/XXXX. I have received nothing. I sent a letter asking that the fraudulent credit inquiries be removed as I did not authorize them. I received a letter from Equifax stating inquiries are a factual record of file access. They are not factual when someone other than yourself is making them. I also sent in a copy of my FTC Identity Report on XX/XX/XXXX and didnt receive a reply. Information indicated as fraudulent per the Identity Theft Affidavit was supposed to be blocked within 5 days. I sent a letter requesting the Method of Verification on XX/XX/XXXX. The letter was sent certified mail with return receipt, and was signed for on XX/XX/XXXX. After calling customer service about not receiving the method of verification, I was told by the representative that Equifax did not have to provide that information even if I asked for it, and it is their job to trust what the creditor reports. That is a blatant violation of my rights according to the FCRA section 611 ( a ) ( 7 ) : A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information will be provided to the consumer by the agency. This notice will include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher, if reasonably available. 
Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 


My initial dispute of these inaccuracies was detailed and clear regarding the information I was requesting. A fraud alert has been placed on my credit file after the other two Credit Bureaus notified you to follow suit. I have met the burden of having these accounts permanently removed/blocked from my file when I submitted my FTC Identity Theft Affidavit along with my disputes. Neither you nor the creditors have been able to provide me with verifiable proof/documentation regarding these accounts and you continue to report them anyway. They must be removed IMMEDIATELY. Please do not give me an automated answer. My information was compromised during your security breach and I am trying to rid my report of all inaccurate reporting as an effort to undue damage caused by identity theft. My next letter to your company will be an Intent to Sue for continued violation of my rights pursuant to the FCRA. 

I am also requesting an updated credit report be sent to me. 






The following items on my report are inaccurate and need to be removed IMMEDIATELY : Accounts XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX Inquiries XXXX   XXXX date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX   date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX Thank you,

Company response to consumer: Closed with non-monetary relief