Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sir/Madam, I was a victim of identity theft. As a result, excessive amount of inquiries were made on behalf of my name. I realize this initially a month and a half ago when I retrieved my annual credit report, while then I had to go through a procedure of 'identity verification ' with each of the credit agencies. I was initially surprised as to why they require that, I was n't aware that I was a victim back then, not until I received my full credit report. 

Duplicate inquiries with excessive amount of credit applying clearly identifies identity theft/fraud, it was the responsibility of the agency insuring the accurate protection of my identity. Why have n't they put a security freeze on my report I wonder? 

Hence, a third party individual applied excessively to around XXXX creditors on my behalf. Luckily, I did n't end up with accounts opened as I assume that he/she did n't verified enough information. This initially happened at a time whereas I have changed apartments within the same building - XXXX to XXXX *current. I assume that these individuals there are responsible for this. 

Ever since one month and a half, I have been battling with the three major credit bureaus - XXXX , XXXX and XXXX. They transfer the guilt over the creditors. I called each creditor one-by-one to have the inquiries removed. I wrote mails to each one of them a month ago, I resent the same mails to them today even. Still I got no responses. 

I 'm an entrepreneur. I 'm about to build an app as to promote a value-based affordable alternative model to students for housing. Part of the sharing economy, my business plan has been recognized and accredited by the SBA, however, my credit history is stopping me from realizing my dream and help XXXX American save on housing costs. Why? Because I can not access financing due to the negligence of credit agencies - creditors transferring their guilt over each other. 

I suffer, I suffer financially a lot. I have no debts, missed payments, mortgages, negative history nothing at all. Just the 'thousand ' inquiries made by this unjust criminal. I can not get a loan, nor I can not apply for a business credit card. 

I 'm sorry to say but this have had a direct impact on me mentally. I was diagnosed with XXXX, as a result of the financial problems occurring with my credit reports. You are my last hope to resolve this enormous disaster occurring with my life. I still believe at the justice system this country has. The current law says : 'If inaccurate information is discovered in your file, the consumer reporting agency must re- examine the disputed information in a timely manner '. 

'You have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act '. 

NONE of the above was followed by either the creditors, nor the credit bureaus. I sincerely hope that the bureau of consumer financial protection can resolve this in a timely manner as this is financially affecting my life, health and future. Unfortunately, because of my current conditions, I do n't have the funds to afford a lawyer. But then again, I count on you.. Please feel so to contact me regarding any information that you may need to resolve this. 
Investigations from last month : ExpiredXX/XX/2015 Investigation : XXXX launched a new investigation today : XXXXPlease find the attached investigation confirming the one, which occurred on XX/XX/2015Yours faithfully, XXXX

Company response to consumer: Closed with explanation