Consumer complaint received 2019-07-21
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:
Equifax continues to violate ALL laws put in place to protect consumers that are victims of Identity theft. I will elaborate. Recently, Equifax added Fraudulent accounts that I have requested be blocked due to identity theft to a second credit file, when I questioned why they told me I had two credit files instead of actually blocking the fraudulent accounts they merged the two " Split files '' into one and readded ALL of the fraud back to my credit file. After they did this, they then sent my Identity Theft Affidavit to some of the Creditors I DIDN'T EVEN REQUEST A DISPUTE on. Which caused some of my actual good creditors to block accounts off my file which was invalid, and when questioning equifax about it I was told they made a mistake and they apologize. That is not a good excuse, The laws are put in place to protect our Consumer rights from the CFPB and from the FCRA. Therefore EQUIFAX IS COMMITTING MORE Identity fraud then already was there. They did not resolve the fraud, and they did not correct their mistake they added fraudulent addresses to my credit file, and have numerous fraudulent accounts which is damaging my credit file and preventing me from obtaining a mortgage. I had to fix their mistake that they sent identity theft documents to XXXX which I never asked them to do so and never disputed but later resolved on my OWN BECAUSE THEY SENT IT WITHOUT AUTHORIZATION. Lastly the fraudulent accounts listed below are still reflecting and no other credit bureau shows these fraudulent accounts in fact both XXXX  and XXXX  sent documents to equifax to advise these accounts were fraud and nothing was done from Equifax to correct it. 

1. XXXX  XXXX XXXX Account # XXXX Opened on XX/XX/XXXX. Balance {$2000.00} credit limit {$2000.00}. This account was a result of identity theft this is fraudulent and was not authorized Please block this fraudulent account. 
2. XXXX XXXX  Account # XXXX Opened on XX/XX/XXXX Balance {$1400.00} credit limit {$1100.00} Not Authorized opened as a result of identity theft fraud. 
3. XXXX XXXX Account # XXXX opened on XX/XX/XXXX. Balance {$3300.00} credit limit {$6500.00} Opened as a result of identity theft fraudulent not authorized. 
4.XXXX  XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX Balance {$650.00} not authorized opened as a result of fraud from a XXXX XXXX XXXX 
5. XXXX XXXX Account # XXXX Opened on XX/XX/XXXX Balance {$11000.00} Credit limit {$4800.00} Opened as a result of Fraud not authorized opened from a thief and Equifax is the only one reporting this account again. 
6. XXXX XXXX XXXX Account # XXXX Balance {$1800.00} Opened on XX/XX/XXXX. Not authorized opened as a result of fraud balance not paid account sold and not authorized. 
7.XXXX  XXXX XXXX Account XXXX XXXXXXXXXX Not provided Balance {$15000.00} Opened on XX/XX/XXXX Not authorized opened as a result of fraud identity theft. 
8. XXXX XXXX XXXX Account # not provided Balance {$10000.00} Opened on XX/XX/XXXX. Not authorized opened as result of fraud Identity theft. 
9.XXXX  XXXX XXXX XXXX  Account XXXX XXXX Balance {$15000.00} Opened XX/XX/XXXX. Opened as a result of identity theft fraud. Not authorized. 
10. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$980.00} Credit limit {$500.00} not authorized fraudulent. 
11. XXXX Account # XXXX Balance {$9100.00} Opened XX/XX/XXXX. Not authorized opened as a result of fraud. 
12. XXXX XXXX  XXXX XXXX Account # XXXX Balance {$12000.00} opened on XX/XX/XXXX. Opened as a result of fraud not authorized. 

Fraudulent Addresses - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Fraudulent Inquiries - XXXX  XXXX Date XX/XX/XXXX

Company response to consumer: Closed with explanation