Consumer complaint received 2021-11-17
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 ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to XXXX Certified mail receipt code ( XXXX XXXX XXXX XXXX XXXX XXXX ). I received nothing. I'm also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last XXXX digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ) He notice several instances where XXXX are in non-compliance with the XXXX. Im a victim but yet Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they have to do so under the XXXX.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that XXXX will be reinserting an item on my credit report in writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX results in {XXXX} fine. As XXXX has violated the XXXX XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the XXXX section XXXX. I plan of taking full legal action if accounts are not removed by XXXX XXXX days from todays date ). On XX/XX/XXXX *****only correct name on credit report should be spelled as followed ( XXXX XXXX XXXX Any other name or mispelling should be removed immediately. 



***** ( FRAUDULENT ACCOUNTS ) ***** XXXX.XXXX XXXX XXXX {XXXX  Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {XXXX} Account number XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX.XXXX XXXX XXXX} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX {XXXX Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX XXXX XXXX  Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Agencies Inquiry date : XX/XX/XXXX These individual are all apart of our lawsuit and will be named individually in our case. The XXXX clearly states XXXX  days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the XXXX XXXX XXXX XXXX concerning my case. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX well aware of my rights as a consumer. The XXXX XXXX XXXX XXXX requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the XXXX XXXX XXXX XXXX XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. 
XXXX. 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 XXXX ( XXXX ) business days after the date of receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the XXXX XXXX XXXX XXXX website, XXXX 
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section XXXX of the XXXX XXXXXXXX U.S.C XXXXs-XXXX. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the XXXX is available at the website of the XXXX XXXX XXXX XXXX ( XXXX ) : XXXX. A list of tile sections of tile XXXX cross referenced to the .U.S Code is at the end of this document.Section XXXX  imposes the following duties upon furnishers : Accuracy Guidelines. The XXXX requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at XXXX Section XXXX ( XXXX ). General Prohibition on Reporting Inaccurate Information The XXXX  prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within XXXX days ( or XXXX  days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section XXXX ( XXXX XXXX XXXX XXXX ). Federal regulations are available atXXXX. Section XXXX XXXX XXXX XXXX XXXX XXXX ) Duties After Notice of Dispute from XXXX XXXX XXXX If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX 
Complete the above steps within XXXX days from the date the CRA receives the dispute ( or XXXX days, if the consumer later provides relevant additional information to the CRA ). 
Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). 
Promptly modify or delete the information, or block its reporting. Section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to XXXX or more CRAs must report this fact when .it provides information to XXXX for the time period in which the account was closed. Section XXXX XXXX XXXX XXXX ( XXXX ). 
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within XXXX days after reporting the information, provide the CRA XXXX the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section XXXX XXXX XXXX XXXX XXXX  XXXX ). 
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section XXXX XXXX XXXX XXXX XXXX XXXX  ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the XXXX by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section XXXX ( XXXX XXXX XXXX XXXX ). 
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section XXXX XXXX XXXX XXXX, must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section XXXX ( XXXX XXXX XXXX XXXX ). The XXXX has prescribed model disclosures, XXXX XXXX XXXX XXXX XXXX XXXX 

Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the XXXX and must notify all CRAs to which it reports of this fact. Section XXXX ( XXXX XXXX ( XXXX ). This notice will enable CRAs to comply with their duties under Section XXXX XXXX XXXX XXXX when reporting medical information. 

Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section XXXX ( XXXX XXXX ( XXXX ). When any : furnisher of information is notified pursuant to the procedures set forth in Section XXXXXXXX  that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX  ). The XXXX  website, XXXX has more information about theXXXX, including publications for business and the full text of the XXXXCitations for XXXX  sections in the U.S. Code, XXXX XXXX XXXX XXXX XXXX : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within XXXX ( XXXX ) business days. This is clearly an identity theft issue. 

I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.

Company response to consumer: Closed with explanation