Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: AL
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:
I XXXX XXXX am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere.

This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a  police report on XX/XX/XXXX ( report XXXX XXXX ) with XXXX Police Department. Ive also mailed in certified letters to Equifax. I received nothing. Im also sure my information was leaked due to the information breach with Equifax. I was instructed to go to www.equifaxsecurity2017.com.

I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax security breach.The thieves even went  as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AL, XXXX. He notice several instances where Equifax are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. Equifax continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that Equifax did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA.. Equifax has refused to removed fraudulent accounts after I provided  proof. This is considered defamation of character and willful injury.

under the FCRA section 623. I plan of taking full legal action if accounts are not removed by 10/23/2020.

***** ( FRAUDULENT ADDRESSES ) ***** ( 1 ). XXXX XXXX, ALXXXX  ***** ( FRAUDULENT ACCOUNTS ) ***** ( 1 ).  XXXX XXXX XXXX XXXX XXXX {$1900.00} Account number XXXX Date opened XXXX XXXX, XXXX ( 2 ). XXXX XXXX XXXX  XXXX XXXX {$430.00} Account number XXXX Date opened XX/XX/XXXX ( 3 ). XXXX XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX ( 4 ). XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX ( 5 ). XXXX XXXX  XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX ( 6 ). XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX ( 7 ). XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX ( 8 ). XXXX XXXX {$360.00} Account number XXXX Date opened XX/XX/XXXX ( 9 ).  XXXX {$3100.00} Account number XXXX Date opened XX/XX/XXXX ( 10 ). XXXX  XXXX XXXX XXXX {$610.00} Account number XXXX Collection opened XX/XX/XXXX ( 11 ). XXXX XXXX XXXX XXXX XXXX {$4600.00} Account number XXXX Date opened XX/XX/XXXX ( note only equifax separate ID report ) ***** ( FRAUDULENT INQUIRIES ) ***** ( 1 ). XXXX XXXX XXXX Inquiry date : XX/XX/XXXX ( 2 ). XXXX XXXX Inquiry date : XX/XX/XXXX ( 3 ). XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX ( 4 ). XXXX XXXX XXXX Inquiry date : XX/XX/XXXX ( 5 ). XXXX XXXX Inquiry date : XX/XX/XXXX ( 6 ).  XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX ( 7 ). XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. 
and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 
XXXX XXXX President Global Consumer Solutions Equifax Corp XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President, Chief Legal Officer Equifax LLC Email-XXXX XXXX XXXX XXXX Non-executive chairman Equifax inc XXXX XXXX Equifax CEO Equifax LLC Email-XXXX XXXX : Equifax fraud department Please do not place a fraud alert on my credit profile. I am aware of the circumstances and understand the risk. I still would like these fraud and erroneous accounts of my credit to be processed to the full extent of the FCRA under the guidelines of identity theft.

Company response to consumer: Closed with explanation