Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with XXXX , Equifax , and XXXX XXXX Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ). 

I want to bring to your attention that I have been a victim of identity theft and have no recollection of the accounts listed on my credit report. I have provided my identity theft report that is attached to this report as proof. The fact that these accounts are being reported as mine is causing me great distress, and I am very concerned about the impact it may have on my creditworthiness. As a victim of identity theft, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681c-1 , if a consumer has contacted a credit reporting agency and informed them that they are a victim of identity theft and provided the agency with proper proof, the credit reporting agency must block the information that the consumer identifies as resulting from the identity theft within 4 business days of receiving the identity theft report. The agency must also notify any person who has received the information that it has been blocked and must provide the name and address of the furnisher of the information. 

Furthermore, according to 15 USC 1681g ( d ), if a credit reporting agency knows or learns that a consumer 's credit report contains information resulting from identity theft, it must either block the information or delete the information from the consumer 's file. The agency must also notify any person who has received the information that it has been blocked and must provide the name and address of the furnisher of the information. 

I hope that you will take my situation seriously and investigate the inaccurate information on my credit report thoroughly. I am confident that once you review the evidence and see that I am a victim of identity theft, you will take the necessary steps to ensure that my credit report accurately reflects my creditworthiness. Thank you for your prompt attention to this matter. 

- The presence of these inaccurate accounts on my credit report has caused significant harm to my credit score and has negatively impacted my ability to obtain credit or financing. Inaccurate information on a credit report is a violation of my rights as a consumer and is something that should be taken very seriously. 

- Additionally, I have made repeated attempts to contact the credit bureaus and request that they remove these accounts from my credit report. Despite providing verifiable proof of my identity and the fraudulent nature of these accounts, the credit bureaus have failed to take action and have continued to list them on my credit report. 

- I have also contacted the companies associated with these accounts and informed them of the fraudulent activity. They have confirmed that I am not responsible for any of the charges listed and have closed the accounts. However, the information remains on my credit report, which is a clear violation of the Fair Credit Reporting Act. 

- According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation of any disputed information and to promptly delete inaccurate information. This is especially true in cases of identity theft, where the consumer is not responsible for the fraudulent activity and should not be penalized for it. 

- As a victim of identity theft, I have taken all necessary steps to report the crime and to protect myself from further harm. However, the inaccurate information on my credit report continues to be a source of frustration and financial harm. It is imperative that the credit bureaus take immediate action to correct these errors and to ensure that my credit report is accurate and up-to-date. 

According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report : In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report. 

Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it. 

I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe. 

Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA. 

Overall, I urge the CFPB to take swift action in this matter and to ensure that the credit reporting agencies are held accountable for their actions. The Fair Credit Reporting Act was put in place to protect consumers from inaccurate credit reporting, and it is crucial that these protections are enforced. 

I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. I have documents attached detailing VERY SPECIFICALLY proof of the inaccuracies down below this report, along with verifiable proof of my SSN, driver 's license, and credit card statement. I urge the CFPB to take swift action in holding the credit bureaus accountable for their violations of the FCRA. 

IMPORTANT : ALL ATTACHEDbDOCUMENTS ARE 100 % WRITTEN AND MARKED BY ME AND ONLY ME. Please have XXXX, EQUIFAX, & XXXX only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation