Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NY
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:
In May of this year I went to apply for a home and i pulled my credit report and found multiple fraudulent accounts and inquiries. I wrote a letter to Equifax , XXXX XXXX XXXX  explaining the situation I also completed a FTC report and sent it to them certified mail along with State ID, COPY OF SSN CARD AND PROOF OF ADDRESS. XXXX XXXX  Certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT RECIEVE A RESPONSE.....I CALLED EQUIFAX ON XXXX  And spoke to XXXX XXXX in the Fraud dept OVER A MONTH AFTER SENDING MY DOCS. She said they will start a 30day investigation. again my RIGHT WERE VIOLATED . AS PER 15 U.S. Code  1681i - Procedure in case of disputed accuracy XXXX) Prompt notice of dispute to furnisher of information (A) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph (1), MY RIGHTS WERE VIOLATED MY ALL XXXX CREDIT REPORTING AGENCIES Because of the nature of my dispute ( Identity theft ) the credit reporting agencies must adhere to 15 U.S. Code  1681cXXXX - Block of information resulting from identity theft (a) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of (1) appropriate proof of the identity of the consumer; (2) a copy of an identity theft report; (3) the identification of such information by the consumer; and (4) a statement by the consumer that the information is not information relating to any transaction by the consumer. MY RIGHTS ARE BEING VIOLATED! 15 U.S.C 1681 Section 604 A Section XXXX:It also states a consumer reporting agency cannot furnish a account without my written instructions THE FOLLOWING ACCOUNTS ARE Identity Theft XXXX XXXX  Account Number: XXXX  15 U.S. Code 1681cXXXX  - Block of information resulting from identity theft XXXX XXXX XXXX  Account Number: XXXX  15 U.S. Code 1681cXXXX - Block of information resulting from identity theft XXXX XXXX XXXX  Account Number: XXXX  15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX CREDIT Account Number: XXXX 15 U.S. Code 1681cXXXX  - Block of information resulting from identity theft XXXX XXXX XXXX XXXX  Account NumberXXXX XXXX 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft XXXX Account Number: XXXX THE FOLLOWING The inquiry was not authorized XXXX  Date of inquiryXXXX XXXX 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft The inquiry was not authorized XXXX XXXX  Date of inquiry: XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft The inquiry was not authorized XXXX XXXX Date of inquiry: XXXX 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft The inquiry was not authorized XXXX  Date of inquiry: XXXX  15 U.S. Code 1681cXXXX - Block of information resulting from identity theft The inquiry was not authorized XXXX  Date of inquiry: XXXX 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft The inquiry was not authorized XXXX XXXX Date of inquiry: XXXX 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft THE FOLLOWING NAMES AND ADDRESSES is incorrect Former: XXXX The following personal information is incorrect Former: XXXX The following personal information is incorrect Former: XXXX The following personal information is incorrect Also Known As: XXXX The following personal information is incorrect Also Known As: XXXX The following personal information is incorrect Also Known As: XXXX a consumer reporting agency shall****** block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than(( 4 )))business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFING DAMAGES I CAN NOT GET A HOME LOAN WITH THIS FRAUD ON MY REPORT.  ( ATTACHED IS PROOF OF ADDRESS , MY STATE ID , MY SSN CARD AND FTC REPORT , SO THE CREDIT REPORTING AGENCIES CANNOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST )

Company response to consumer: Closed with explanation