Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: FL
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:
Good morning, i am sending this dispute in regards to a recent dispute i received in the mail. I received a letter stating that the my dispute was " verified ''. There is no possible way the information i disputed was factually verified. The reason i am stating this is because i am unaware of the accounts and inquiries that i listed on my dispute. Secondly i am a victim of identity theft. Third of all my personal information was leaked in a recent breach, and several other breaches in the past where i've mentioned it in the past but to no avail you considered to reject my request for a fair internal dispute and i was affected by them. I am in distress i have lost my job do to the fact of identity theft along with inaccuracies listed on my credit file. It has affected me and my family tremendously and i honestly that my credit file is being mistreated and i am being violated of my rights as a consumer. I am now leaning towards taking legal actions against your company. You have violated several laws within the FCRA, FACTA, MIB, and  more. I will list the violations to assure you that i am well educated on how a credit bureau mistreats a consumers file. I will be sure to sue you for every mistake that is listed on my credit file and seek damages in a total of {$50000.00}. I have copies of every dispute that was sent and ignored, along with the famous generated verified letters that credit bureaus use to keep inaccurate information on to consumers file so that you can bank on it. I've been harassed and treated unfairly by customer service reps and supervisors at your company and i have the names listed and written down prepared when its time for litigation. I also feel that i was treated unfairly due to my race, i was asked several questions that left me uncomfortable and emotional. I am really XXXX at this point and awaited to hear from you. I have file a complaint with the FTC, attorney general office, and the XXXX XXXX Civil Court awaiting the trial date. I will be sure to have my lawyer send a copy over to your company to ensure this matter is handled by a judge. I am suing for violation of mistreating my credit report, i didn't authorize anyone from the credit bureau to view my file, several violations in the FCRA was broken. There was no proper procedure taken to actually go through the dispute process and i honestly feel that my dispute was placed through a computer and not a human being, a generated verified letter isn't a human being looking over a credit dispute. I want a human being looking at my file and i want to see handwritten signature on my updated credit report. The fraudulent accounts are listed for dispute are 1. XXXX XXXX 2. XXXX XXXX # XXXX 3. XXXX Acct # XXXX. 4. XXXX XXXX 5. XXXX XXXX open XX/XX/XXXX paid 6. XXXX XXXX {$14000.00} Paid in Full. Fraudulent Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX My FTC Report Number is FTC Report : XXXX. I have sent over a copy of the lawsuit certified mail you should receving the letter within a few days.

Company response to consumer: Closed with explanation