Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: LA
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX XXXX XXXX Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$13000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$3700.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$8300.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$2500.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$4600.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$7700.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$4200.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$8100.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$7000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$450.00} Reason : Account is fraudulent Account Name : DEPT OF ED/NAVIENT Account Number : XXXX AMOUNT : {$600.00} Reason : Account is fraudulent Account Name : VERVENT/TBOM Account Number : XXXX AMOUNT : {$240.00} Reason : Account is fraudulent Account Name : FIRST XXXX BANK Account Number : XXXX AMOUNT : {$490.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$590.00} Reason : Account is fraudulent Account Name : MIDNIGHT VELVET Account Number : XXXX AMOUNT : {$250.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$920.00} Reason : Account is fraudulent Account Name : VERVENT/TBOM Account Number : XXXX AMOUNT : {$300.00} Reason : Account is fraudulent Account Name : WEBBANK/FINGERHUT Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$650.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX MRKTING ) Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX BANK NA ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX ADJUST ( MID XXXX BANK AND XXXX TOT Account Number : XXXX AMOUNT : {$540.00} Reason : Account is fraudulent Account Name : XXXX XXXX SOLUTION XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$240.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$80.00} Reason : Account is fraudulent Inquiries : CAP XXXX NA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX DC XXXX XXXX DIGI CRD/S XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation