Consumer complaint received 2021-09-01
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:
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE BLOCK OR REMOVED ALL ACCOUNT Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question The account and those inquired are fraud I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$62000.00} AUTO {$62000.00} XXXX - {$62000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF CHARGED OFF ACCOUNT ; FIXED RATE XXXX XXXX XXXX  XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX {$9000.00} INST {$9000.00} XXXX - {$9000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF CHARGED OFF ACCOUNT ; AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT ; FIXED RATE XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3400.00} OPEN {$3400.00} - {$3400.00} - - - COLLECTION XXXX XXXX DISPUTES - REINVESTIGATION IN PROGRESS ; COLLECTION ACCOUNT XXXX XXXX XXXX XXXX XXXX -- XXXX -- / -- XX/XX/XXXX {$50.00} COLL {$200.00} {$200.00} - - - COLLECTION XXXX XXXX ; ORIGINAL CREDITOR : XXXX XXXX XXXX, ASSIGNED ON XX/XX/XXXX I've submitted enough information regarding the fraudulent account that's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system to match name and my personal investigation you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldn't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesn't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you don't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SECXXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MY ID AND SS CARD IS BELLOW

Company response to consumer: Closed with explanation