Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you in good health. I am writing to express my profound dissatisfaction and frustration regarding the persistent fraudulent items that continue to mar my credit report. Despite numerous attempts on my part to rectify this issue, I have yet to witness any substantial progress in their removal. 

I have conscientiously monitored my credit report and have identified a distressing number of fraudulent entries that have absolutely no association with my financial history. These fraudulent items encompass a range of discrepancies, including list specific fraudulent items, such as unauthorized accounts, late payments, or collections. These inaccuracies are not only decimating my credit score but also causing immense anxiety and distress. 

I first discovered these fraudulent entries before and since then, I have undertaken extensive efforts to address this situation : I submitted formal dispute letters to your agency, meticulously delineating each fraudulent item and providing exhaustive documentation to substantiate their inaccuracy. 

Subsequently, I have made innumerable follow-up inquiries through written correspondences and phone calls to ascertain the status of my dispute and to urge expedited resolution. 

In full compliance with your agency 's prescribed procedures, I filed identity theft reports with the pertinent authorities, including the Federal Trade Commission ( FTC ), to meticulously document the fraudulent activities and bolster my claims. 

Despite my arduous efforts and my unwavering commitment to following your agency 's dispute resolution process to the letter, these fraudulent items have endured on my credit report, inflicting irreparable harm to my financial credibility and peace of mind. I ardently believe that immediate and unequivocal action is imperative to remedy this dire situation. 

Consequently, I kindly insist upon the following actions to be executed without delay to redress this matter : I implore your agency to undertake an accelerated and comprehensive investigation into the fraudulent items on my credit report. A swift resolution is absolutely vital to mitigate the considerable harm these inaccuracies have engendered. 

Upon confirmation of the fraudulent nature of these items, I demand their instantaneous removal from my credit report. This action is non-negotiable to restore my financial credibility and peace of mind. 
I anticipate and demand timely and transparent communication from your agency concerning the status of the investigation and the steps being taken to resolve this matter. Frequent updates on the progress of my dispute are imperative to rebuild my eroded trust in your services. 

In light of these persistent fraudulent entries, I expect your agency to implement heightened security measures to safeguard my credit profile from further unauthorized activity. 

I recognize the complexities often associated with investigating and rectifying fraudulent items, but I wish to underscore the urgency of addressing my concerns without any further procrastination. The inaccuracies on my credit report have inflicted severe damage on my financial stability, thwarting my ability to access loans or credit on equitable terms. 

I insist upon a comprehensive, written response to this formal complaint withinthe exact timeframe from the date of this letter. This response should delineate the concrete actions taken by the XXXX Credit Bureaus to resolve this matter. Please be aware that my patience is wearing thin, and the continuation of this situation will leave me with no alternative but to pursue legal remedies. Kindly assist me to remove the following fraudulent items in my credit report : 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 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 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

Company response to consumer: Closed with explanation