Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NJ
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 a victim of Identity Theft - THIS IS NOT A DISPUTE! I have previously notified the 3 credit bureaus numerous times about this crime, and only certain measures were offered for my credit report ( i.e., a Credit Freeze and ID Theft alerts, etc. ), However, the CRAs refused to permanently BLOCK any accounts/ inquiries involved in this crime. On XX/XX/2021, I filed a complaint with the FTC, and attached all evidentiary evidence ( Affidavit of Identity Theft, Credit Report, Proof of my Identity, and a Police Report - see attached ). The 3 credit bureaus were again made aware of this crime on XX/XX/2021, along with all evidentiary evidence and attachments - Affidavit of Identity Theft, Credit Report, Proof of my Identity, and a Police Report to prove the facts therein and the CRAs were advised that pursuant to the FCRA that all 3 credit bureaus had ( 4 ) XXXX business days to BLOCK any fraudulent information XXXX accounts resulting from the Identity Theft. Thus far, XXXX has been the only CRA that has complied with the law and permanently Blocked/DELETED all accounts/ inquiries involved in this crime. However, the other two ( 2 ) CRAs have failed and continue to violate me as a Consumer, XXXX and EQUIFAX, as well as the " Debt Buyers '' debt collectors are all committing an intentional misrepresentation of facts, unfair business practices, fraud, identity theft, genocide, to a name a few ; and each bureau, the debt buyers and it's agents thereof are all willfully, knowingly with forethought and with malicious intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. XXXX and EQUIFAX are even allowing these " Debt buyers '' debt collectors to change the names, account numbers, and dates to keep the Fraudulent accounts on my report in attempts to violate me and cause me damages. Please see the Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a VIOLATION of several sections of the FDCPA and FCRA, specifically sections 605B, 615 ( f ), 623 ( a ) ( 6 ), and at this point an Intent to Sue is ready if needed be. I will acknowledge and affirm for the record and on the record, I did NOT give the CRAs nor any of the debt buyers, like XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX XXXX any expressed nor written consent to have access to my data, let alone monetize off it, that is Identity Theft. I never signed a contract with the CRAs to have a whole credit file / account existing in any of their systems to begin with. The CRAs and the debt buyer, XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX ) had no expressed nor written consent to buy, store or sell my data. I never signed an agreement with this Alleged " Creditor '' XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX ), and they are NOT the original creditor. XXXX XXXX XXXX, XXXX. purchased my data and this fraudulent account making it a " Debt Buyer '' which under 15 U.S. Code 1692e is False or misleading debt collection representations. I have NO contract with the " Debt Buyer '' debt collector, known as XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX ), and by XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX  ) verifying this account is admission enough of fraud being committed against me, because by having my data in their system to collect an alleged debt they purchased is admission of Identity Theft. EQUIFAX responded to my ID Theft Claim on XX/XX/2021, saying verbatim the following ( Copy of Letter is attached for your reference ) ; " Dear K A G, we have received your request concerning the blocking of certain information on your Equifax credit file. Please be advised that Equifax, at this time, is not blocking information you named in your request pursuant to Section 605B ( c ) of the FCRA. We are, however, contacting each company that provided the disputed information to verify the information on your behalf. We will also forward a copy of the documents you have provided to each creditor for their review. You should receive the results of this investigation, which may result in removal of the disputed information, within 30 days. For Equifax to block information under Section 605B of the FCRA, you need to provide proof of your identity theft, the specific information that is a result of identity theft, and a copy of your complete and submitted identity theft report with the FTC or Police Report regarding the identity theft. Thank You for the opportunity to assist you. Equifax Information Service LLC. ''.. XXXXMy response to Equifax XXXX Dear Equifax XXXX all evidentiary evidence has already been provided to your agency for the BLOCKING of these accounts/ information which was received by an agent of Equifax who signed on XX/XX/2021 via Certified Mail Return Receipt # XXXX ( attached herein ). Therefore, how can this debt buyer XXXX XXXX XXXX, XXXX. verify any alleged debt on my behalf, if the debt buyer purchased my data and bought the alleged debt in attempts to defraud me? I never gave any expressed nor written consent, and there is NO agreement/ contract in place that neither you Equifax or XXXX XXXX XXXX can provide with my wet ink signature on it between me and XXXX XXXX XXXX, XXXX. or me and Equifax, so cut it out!!!! Equifax, what can XXXX XXXX XXXX, XXXX. verify, that I gave consent or not? Do you Equifax or XXXX XXXX XXXX  have first-hand knowledge of the services rendered for this alleged debt and if the services rendered were in fact I who they were provided for?..... Equifax handled my request as a regular Dispute of information and not an ID Theft claim, when clearly the exhibits attached show otherwise. It clearly stated this was " NOT A DISPUTE '', and that I was a victim of identity theft and yet my rights are still being violated as a Consumer.

Company response to consumer: Closed with explanation