Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir/Madam, I am writing to formally request assistance regarding a critical matter that has significantly affected my financial well-being. I have recently become a victim of multiple identity theft incidents, which have had severe consequences on my financial stability and creditworthiness. I believe it is essential to address this matter promptly to rectify any erroneous or fraudulent information associated with my identity. 

I am providing this letter to both the Consumer Financial Protection Bureau, the concerned credit reporting agencies, XXXX XXXX, and XXXX XXXX XXXX to ensure a comprehensive resolution of this issue. The fraudulent activities and identity theft incidents that I have been subjected to have caused damage to my credit reports and financial standing. These incidents have resulted in negative accounts, inaccuracies, and potential threats to my creditworthiness. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in credit reports. I am committed to taking a stand in good faith and working towards a fresh start to ensure that my credit reports accurately reflect my true financial history, in accordance with the FCRA. In light of these circumstances, I would like to request the following actions : Remove all negative accounts and erroneous information from my credit reports, including but not limited to late payments, missed payments, and any accounts that do not match my accurate identity information. 

Correct any inaccuracies in my credit reports, such as checking overdraft activity and banking negative information, which do not belong to me. 

Ensure that my credit score reflects a fair and accurate representation of my credit history. I anticipate that my credit score should be at least XXXX, considering my responsible financial behavior and the fraudulent activities that have occurred. 

Respect my right to privacy and non-disclosure of my information to unauthorized entities, especially considering the identity theft incidents I have experienced. 

I kindly request that you investigate these matters thoroughly and take the necessary steps to rectify the inaccuracies and fraudulent entries on my credit reports, including XXXX XXXX and XXXX XXXX XXXX. I am also enclosing a payment of {$1.00}, which I believe represents the full value of any debts I may owe but take no responsibility for due to identity theft. Please consider this as a token of my good faith in resolving these issues. 

I must emphasize that I did not cause these issues, as my personal information was compromised during the Equifax breach, and I have evidence of unauthorized access from individuals in XXXX. It is my right to decide to whom my information is disclosed, and I have not authorized any reporting of negative information on my behalf. 

I trust that you will act promptly and efficiently in addressing this matter in accordance with the FCRA. I will be requesting a new credit report in 30 days and expect it to reflect the changes outlined in this letter. Failure to do so may lead me to take legal action to protect my rights and financial interests. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation