Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute fraudulent debts appearing on my credit report. I was a part of several Equifax data breaches ( never compensated ) and my phone number and personal information were sold to third parties via XXXX XXXX XXXX. Via the monitoring service, I was notified that my information had been sold to the dark web back in XX/XX/XXXX and my information was being used fraudulently, which explained the errors appearing on several accounts reporting to the bureaus. I also was given an anonymous tip from a military XXXX, that XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been stalking me for 15 years and sold my information. This is not the first time, back in XXXX, XXXX charged thousands on my credit cards to bring harm to my independence this person likes control and is a dangerous XXXX. 

Unfortunately, we are in a national security crisis and a lot of criminals are hurting people during this time. Several creditors randomly and without notification, closed accounts see an attached credit report. I am a victim of identity theft. Please investigate this Fair Credit Billing issue and correct the fraud as soon as possible. I was unaware and unable to avoid the charge card fraud and now as a XXXX Veteran with children ; I am unable to get stable housing nor obtain a vehicle to drive to my doctor 's appointments. I have experienced years of unfair and deceptive practices which violate USC 18 Section 241, 242 to name a few, and I and my children 's lives are still in danger ( XXXX XXXX  ). My internet services were hacked and I had to pay XXXX  to provide me with cyberattack services. Phone lines hacked had to pay hundreds to XXXX XXXX XXXX to protect me and my children only to find out later XXXX XXXX XXXX was selling my information without my knowledge to unknown third parties. 

The following accounts were impacted by the fraud. XXXX, XXXX, XXXX. These creditors all of a sudden lowered the credit limits and closed accounts without notification. In addition, the accounts incurred fraudulent charges and were also marked money laundering and fraud. In addition, I filed several reports with the USPS inspector general as my mail was stolen several times containing XXXX data, credit reports, and bank statements. I filed reports with the IRS, FTC, XXXX Attorney General, and several other federal agencies notifying them I am a victim of identity theft. Now, I am writing to request that you block the following fraudulent information in my file and conduct a full investigation. 

For exampleXXXX XXXX XXXX XXXXXXXX is reporting a lot of inaccurate information. After I filed a complaint with the Attorney General due to deceptive practices ; XXXX XXXX XXXX ( XXXX ) closed the account ; with a date of last activity - XX/XX/XXXX ; and a charge off date of XX/XX/XXXX. However, XXXX reported to the bureaus there was still activity throughout XXXX and XXXX who is using the closed, charged off account? For years, XXXX has willfully reported, inaccurate, misleading information, and at this point- it needs deletion. 

My information was compromised in XXXX, XXXX, and XXXX. I was also part of two data breaches with Equifax which I never was compensated for damages. My information was also hacked via USPS and my mail was stolen several times to include my XXXX information. I filed reports with the USPS inspector general. I got notification of a data breach with Veteran Affairs as a hacker was trying to get my benefits information and medical data violation of my legal rights. 

XXXX contacted me and told me my account was compromised and sent me a check for damages however the fraud account still appears on my history with the XXXX. 
XXXX sold me a debt protection plan and I spent hundreds of dollars on the plan. After the fraud happened, XXXX closed the account, charged off the account under the debt protection plan, filed an insurance claim, took a tax write-off - then sold the account not honoring the debt protection service I paid for.

Company response to consumer: Closed with explanation