Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2020 I deposited into the mail via certified return receipt letters to XXXX and Equifax. 
Both companies received the letters, signed for them and a receipt was obtained. 
Equifax sent a letter to me dated XXXX XXXX that updated the account of XXXX XXXX account number ending in XXXX for the amount of {$430.00}. The fraudulent account remained on my credit report even though I sent the following documents to Equifax : Copy of Federal Trade Commission XXXXdentity theft Report Copy of XXXX AZ police report detailing identity theft Copy of Washington state drivers license Copy of utility bill I sent the same letter to XXXX XXXX and they received the letter as well. They failed to respond or to remove the single XXXX XXXX account for {$430.00} from my credit report as well. 

The credit card issuer also failed to thoroughly investigate my identity theft and failed to remove the single credit card account in the amount of {$430.00} and absolve me all charges related to this account and they have kept reporting it. 
XXXX XXXX did properly respond to a second account and did remove that account but for some reason they have been unwilling to remove this final account. 

Other companies also had accounts opened in my name and those accounts were thoroughly investigated and removed from my credit report. 

XXXX XXXX, XXXX, XXXX XXXX all had fraudulent accounts opened in my name and they properly responded and removed those accounts from association with my name when I followed the law and provided them with the proper documentation. 
On XX/XX/XXXX I sent yet another notice to XXXX XXXX via certified mail that they did receive on XX/XX/XXXX that they have failed to properly investigate my identity theft and I demanded copies of all relevant evidence upon which they have relied to assert the account is mine. I have requested they provide me with all IP addresses associated with the opening of my account, screenshots of account, emails associated with my accounts and and signed documents. 
I received a letter from XXXX XXXX dated XX/XX/XXXX wherein they indicate that they have taken steps and then provided me with a code of some sort and kept reporting the card as if its mine. IT IS NOT! 
Capital One can not continue and XXXX and Equifax can not continue to fail to follow the Law and keep this final account in my name. They have ZERO EVIDENCE of a material misrepresentation of facts or that I benefited from this fraud because I HAVE NOT BENEFITED and I am the victim of identity theft, please help me correct this and help me recover damages from XXXX, Equifax and XXXX XXXX as they all three continue to damage my credit and my ability to legitimately use my credit. This has delayed my ability to properly acquire financial independence and avail myself of offers that are reserved for those who seek to better themselves financially.

Company response to consumer: Closed with explanation