Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My x wife divorce me in XXXX. Her, or members of her family took out credit in my name without my knowledge or consent. I have made a good faith effort to attempt to resolve the matter with the creditors, and with the reporting agencies but with no success. I am working in XXXX, and this is effecting my security clearance. 

The reports are totally wrong. I dispute these accounts reported falsely on : XXXX Equifax XXXX These are the accounts that I dispute in full and must be removed. 

XXXX. Charged off XXXX XXXX XXXX opened XX/XX/XXXX without my knowledge or consent Not my account 2. These following closed accounts, none of them were opened by me and are not mine : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1000.00} Closed XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Closed XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  Reported : XX/XX/XXXX Finally, my address is also listed on the 3 Credit Bureaus incorrectly. I have asked them to remove my X wife address over and over, but they refuse. 

My only address, since XXXX, is the following : XXXX XXXX XXXX XXXX, Maine XXXX Please ask the three credit reporting companies to remove these two addresses immediately, I have never lived at the below : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX There are also 2 collection agency accounts that do not belong to me : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1300.00} Outstanding Please correct these terrible mistakes, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I respectfully request that you issue direction to these three companies XXXX. XXXX XXXX. Equifax XXXX XXXX Please also remove the false history from the Attorney General Office for the State of Texas. I have NEVER missed a payment EVER on my child support. t Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation