Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: GA
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:
Im victim of identity theft are contacting your credit bureau ( EQUIFAX ) to inform you of my lawsuit against your credit bureau. Currently, the XXXX XXXX is scheduled for XXXX XXXX XXXX, XXXX at XXXX. The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. Im also suing Equifax for being negligent regarding my credit files being affected by the cybersecurity incident, and breach with ( EQUIFAX ). This credit bureau had a enormous security failure, and it has affected millions of consumers worldwide. I am XXXX of those consumers that have been affected, and Im seeking justice regarding fraudulent accounts that are being reported on my credit files at this time. My social security number, drivers license, birthdate, and personal information was COMPROMISED/AFFECTED by the cybersecurity incident. I have filled out my information online under the website : XXXX and it clearly shows that my ( PERSONAL INFORMATON WAS AFFECTED BY THE BREACH ). The consumers as myself that have been affected should not have to deal with having fraudulent accounts reporting on their credit files. Due to this incident all consumers that where affected should have their credit files, and personal information updated/restored. If fraudulent accounts where opened in their name, and their information was compromised it is your credit bureau department to have those accounts REMOVED/DELETED off of the consumers credit files. I should not have to suffer, or battle with fraud accounts that where opened in my name due to the negligence of your credit bureau. This breach has caused me so much grief, has put me in a financial bind, have made me have to go through the emotional/financial stress of dealing with creditors that are trying to validate XXXX XXXX XXXX XXXX, because my ssn was compromised. I have contacted the false creditors listed on my credit file with the companies who have reported fraudulent accounts on my credit file by the name of : XXXX XXXX PERSONAL LOANS & XXXX XXXX XXXX. I have challenged all of the false listings on my credit file. Over 90 days ago I wrote this creditor, and your credit bureau as well in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted by phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters, several police reports stating that this is a fraudulent account, and dates prepared to bring to court on XXXX XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " VERIFIED '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone has stolen my identity and used my information without my authorization. Now I am suing your credit bureau EQUIFAX for reporting falsified debt on my credit files without proper verification that this fraudulent account belongs to me. I have provided more than sufficient evidence to have these fraudulent accounts REMOVED/BLOCKED off of my credit files. I also had XXXX other fraudulent accounts that where opened last year around the same time this fraudulent account was opened. I have the letters from those creditors whereas they DEEMED all XXXX accounts ( FRAUDULENT ACCOUNTS ) in which they REMOVED/BLOCKED those accounts from reporting on my credit files. Im attaching my latest police report to show that these are fraudulent accounts giving more proof of my fraud claim at this current time. Your fraud department also have prior police reports that show that these accounts are fraudulent accounts as well. I have also filed a identity theft report with the XXXX FEDERAL TRADE COMMISSION ) with the government regarding these fraudulent accounts on my credit files with your credit bureau ( EQUIFAX XXXX. Im attaching that document as well which shows even more proof of these fraudulent accounts, and your credit bureau reporting false information still. You may contact me before XXXX XXXX XXXX ) via mail before the court date to begin the lawsuit process to rectify this situation at hand. This matter can be settled simply by your agreement to remove the false information from my credit file PERMANENTLY. I require a response in a timely manner regarding your credit bureau deleting this falsified information off of my credit file. If I get another pointless letter from you saying that it has already been " XXXX '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. I have already won a similar lawsuit against XXXX Credit Bureau. I will agree to a similar settlement with XXXX, if you contact me before XXXX XXXX XXXX, XXXX ). If you accept the same terms as XXXX did, then I will dismiss my lawsuit against Equifax and you will NOT need to appear in XXXX XXXX XXXX, GEORGIA ). 
The items to be removed from my credit report are listed as states : XXXX XXXX PERSONAL LOANS & XXXX XXXX XXXX Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner. 

ATTENTION : Your fraud department have ( XXXX XXXX police reports on file that clearly state that both of these accounts are fraudulent accounts in which, I shouldnt be held liable for. Your department have more than enough proof, and documents to DELETE/REMOVE this account off of my credit files immediately!

Company response to consumer: Closed with non-monetary relief