Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep frustration and concern regarding the multiple and unsuccessful attempts to remove fraudulent items from my credit file. Despite consistent efforts and a substantial amount of documentation supporting my claims, these fraudulent items continue to tarnish my credit history, causing me significant distress and financial consequences. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency and provided extensive documentation to substantiate my claims of identity theft and fraud. These documents include police reports, affidavits, and dispute letters. 

Despite my multiple efforts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The negligence in addressing this issue has had devastating effects on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit file to verify the existence of the fraudulent accounts. 

An investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter, as well as an outline of the steps being taken to expedite the process. 

Written confirmation of the actions taken to rectify this situation and a clear timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that fraudulent items be promptly and accurately removed from my credit report. I expect that your agency will adhere to these federal regulations and work to resolve this matter in an efficient and satisfactory manner. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief