Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XXXX {$13000.00} XXXX - {$13000.00} XXXX XXXX XXXX XXXX COLLECTION XXXX STUDENT LOAN ASSIGNED TO GOVERNMENT ; COLLECTION ACCOUNT DP OF EDUC XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX {$7600.00} XXXX {$8300.00} XXXX - {$8300.00} XXXX XXXX XXXX XXXX COLLECTION XXXX  STUDENT LOAN ASSIGNED TO GOVERNMENT ; COLLECTION ACCOUNT XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX {$2300.00} XXXX - {$2300.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  Late Dates : LAST LATE DATE XX/XX/XXXX PROFIT AND LOSS WRITEOFF ; SECURED ; COLLATERAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$500.00} XXXX  {$420.00} - {$420.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : LAST LATE DATE XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; DISPUTE RESOLVED - CUSTOMER DISAGREES XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$12000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX DISPUTE RESOLVED - CUSTOMER DISAGREES XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX Late Dates : XXXX, XXXX, XXXX ACCOUNT PREVIOUSLY IN DISPUTE - NOW RESOLVED XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$18000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PAID CHGOFF XXXX DISPUTE RESOLVED XXXX CUSTOMER DISAGREES ; COLLATERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PAID XXXX  XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$19000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ACCOUNT TRANSFERRED OR SOLD XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation