Consumer complaint received 2021-11-12
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:
I am writing this letter as a formal complaint. You are reporting inaccurate and fraudelent information on my credit report. I would like to inform you that I am a victim of Identity Theft which led to the posting and reporting of false information. 
The Fair credit reporting act section 609 ( a ) ( 1 ) ( A ) clearly states that the federal law requires you to provide a verifiable proof for the alleged items, specifically the contract, note or other instrument bearing my signature and showing my association to the Fraudulent Account and Inquiry listed below. 

I do not recall giving authorization nor signing any documents to give access to my credit history, therefore the account and inquiry below are fraudulent and violate my rights. The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 5 ) ( i ) states that your failure to provide Valid and verifiable proof obligates you to immediately remove the Unverified and Fraudulent account listed below. 

I have contacted your organization previously to remove invalid and inaccurate information that does not belong to me and to put my file on fraud alert .The Complaint was closed without me receiving a response. You have clearly failed to take actions. The Fcra Section 611 ( a ) ( 1 ) require you to delete it immediately as you have failed to provide a verifiable proof as required under Section 611 ( a ) ( 7 ) The Law Clearly states your civil liability under Fcra section 616 & section section 617 for your failure to comply with the Federal Law. Moreover, I intend to enforce my rights under the fcra and purse rightful litigation in the matter should you fail to comply. 

Furthermore, I urge for the removal of inaccurate name and addresses showing on my credit profile. I have enclosed here copies of my U.S Government official passport and social security card, as well as additional documents to support my claims. 

Only Name Listed on my Credit report should be XXXX XXXX XXXX Date of Birth XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I look forward to receiving a corrected copy of my credit report with the mentioned inaccuracies deleted. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : Reporting Two Different Dates Balance : {$2500.00} XXXX XXXX Equifax XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2500.00} {$2500.00} No. of Months ( terms ) : - - High Credit : {$2500.00} {$2500.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster. Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Late Payment Status : Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Reporting Two Different Dates Balance : {$160.00} XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$200.00} {$200.00} No. of Months ( terms ) : - - High Credit : {$160.00} {$160.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster. Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Two Separate Dates Balance : {$190.00} XXXX XXXX Equifax XXXX AT T Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$190.00} {$190.00} No. of Months ( terms ) : - - High Credit : {$190.00} {$190.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Different dates being reported Balance : {$1000.00} XXXX XXXX Equifax XXXX Account # : XXXX XXXX XXXX Account Type : Installment I Account Type - Detail : Utility company Unknown - credit extension, review, or collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} {$1000.00} No. of Months ( terms ) : 0 1 0 High Credit : {$0.00} {$0.00} {$0.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$1000.00} {$1000.00} {$1000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Collection account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Late Payment Status : Was 120 days late 1 time ( s ). Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : Reporting different Dates Balance : {$1500.00} XXXX XXXX Equifax XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1500.00} {$1500.00} {$1500.00} No. of Months ( terms ) : 0 0 0 High Credit : {$1700.00} {$0.00} {$1500.00} Credit Limit : {$1300.00} {$1300.00} {$0.00} Past Due : {$1500.00} {$1500.00} {$1500.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX XX/XX/XXXX Auto Financing : Inquiry name : XXXX XXXX XX/XX/XXXX Auto Financing : Inquiry name : XXXX XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation