Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: PA
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 has ruined my life for I am unable to obtain new credit or refinance my house and car. I have worked so hard to build my credit and keep it in good standing until someone decided to steal my identity. I have filed a police report with my local police department, and I have also mailed in a copy of my credit report, drivers license and social security card which was sent certified mail. XXXX, Equifax and XXXX will not remove them. The refusal to remove the fraudulent activity on my credit report has cause mental anguish and emotional stress. I have hired a consumer lawyer to assist me in the matter. During his investigation, he noticed several breaches concerning the fair credit reporting act as it relates to consumer fraud on the credit bureaus behalf. I have already opted out of arbitration, so I am no longer subject to XXXX, Equifax and XXXX arbitration procedures. 


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 No XXXX ) with ( XXXX ) Police Department. I, ve also mailed in certified letters to Equifax, XXXX and XXXX. I received nothing. Im also sure my information was leaked due to the information breach with Equifax. I was instructed to go to www.equifaxsecurity2017.com. I  was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to Equifax 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 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter, He noticed several instances where Equifax, XXXX  and XXXX are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. Equifax, XXXX and XXXX continue 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 Equifax did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.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 Equifax will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax, XXXX  and XXXX has violated the FCRA.. Equifax has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XX/XX/XXXX ). 


3 collection accounts Total balance : {$1000.00} 1.Original creditor : {$68.00} Balance updated Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account 2.XXXXXXXX XXXX   XXXX Original creditor : XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  {$0.00} Account number XXXX

Company response to consumer: Closed with explanation