Consumer complaint received 2020-10-15
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:
After informing EQUIFAX of my case of Identity Theft, Me being a victim of XXXX  and Equifax Data breach, My information floating the Dark-web, stolen wallets with my information in it and providing proof of my claim. I have requested in letter form and verbally for XXXX  to validate the inaccurate accounts showing in my credit file. I have requested for proof of the investigation tactics to verify the accounts and debts that they claim are mine for several years now. I have also requested for the remove of the inaccurate accounts, personal information, addresses etc. and they refuse to remove or show validation. I have spoke with the companies personally and in writing but I have not been able to get any help. I experience rude customer service agents repeating for me to send them police reports, notarized statements about my Identity theft claims with promises to remove the inaccurate accounts and other information from my file. I have requested for confirmation numbers and letters of the removal of the accounts. I was always told by the agents that it will be sent within a certain time frame. Yet, to this day I haven't received anything from them and the accounts are still showing in my credit file. Most recent Validation of Debt letters and Dispute letters sent on XXXX, XX/XX/XXXX. 
The accounts and information that is inaccurately showing in my credit file are as follows : Inaccurate Information 1. Addresses- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX 2.Inaccurate Accounts- XXXX XXXX ( Reported : XXXX XXXX, XXXX ) {$0.00} Closed XX/XX/XXXX( Reported : XXXX XXXX, XXXX ) {$500.00} Needs Attention 3. Personal Statement Information- 1 inaccurate phone number ( Phone number that needs to be removed- XXXX ) 4. Hard Inquiries- inaccurate/unauthorized hard inquiry ( Hard Inquiry that needs to be removed- ) XXXX XXXX , XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

XXXX  - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Credit Card Cos. 
( XXXX ) XXXX XXXX  - XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XX/XX/XXXX 
( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Unions EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies I did not apply nor did I authorize anyone to use my personal information to apply for the accounts and using any other fraudulent information to associated with my credit files. I have filed the necessary reports to prove my claim. I have applied numerous forms of protection to try to protect my identity following the Federal Trade Commission Report that I filed. I have joined XXXX to monitor my credit and personal information, I have applied Fraud Alerts and Credit Freezes to my files and I have or in the process of suppressing my files with the smaller bureaus that is also reporting inaccurate information in credit files. 
There should only be 3 accurate accounts on my report. The accurate accounts are as follows : 3 XXXX XXXX CREDIT CARD ACCOUNTS I have disputed these items along with others that have been successfully removed by Equifax and they keep giving me undocumented validation excuses for the debts to remain in my credit file. This to me is a stall tactic to keep minorities and the poor locked into debts that are not theirs after suffering Identity Theft/Fraud. These actions taken by Equifax and the companies that are reporting this inaccurate accounts are causing me a single mother with a XX/XX/XXXX to face XX/XX/XXXX, denied for personal/business credit. 
I am a XXXX owned small owner that is trying to live my life on the right track. While trying to be a first class citizen working hard for my family and these debts that are not mine has caused my and my family many loses. It's a shame and out right disgrace that my reputation has been ruined due to the carelessness of XXXX XXXX, XXXX XXXX, Equifax and others. If these accounts are not remove I will have no choice but to file a lawsuit against all parties involved.

Company response to consumer: Closed with explanation