Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: TN
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:
Hello I just reviewed my report and my credit score has drop drastically. I see several inaccuracies reporting to my credit report that need to be remedy ASAP. The inaccuracies that are now on my report are addresses that I never stayed at and two accounts that I never open nor does it belong to me. According to Congress FCRA ( consumer rights ) Credit report must be 100 % accurate and mines is not. The address that were recently added to my credit profile are 1 ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ) XXXX XXXX XXXX XXXX TN XXXX XXXX ) XXXX XXXX XXXX XXXX, TN XXXX Those 3 address on my credit profile are fraudlent and is probably due to the 2017 data breach of equifax were I was severly impacted and continue to be impacted. PLEASE DELETE THE ADDRESS ABOVE ALSO THERE ARE ACCOUNT THATS HAS POPULATED THAT DO NOT BELONG TO ME AND IM SURE ITS BECAUSE OF INDENTITY THEFT OR FRAUD BECAUSE OF THE NEGLIENCE OF EQUIFAX COMPROMISING MANY PEOPLE INFORMATION THE ACCOUNT NAME IS ( 1 ) XXXX  ACCOUNT NUMBER XXXX ( 2 ) ACCOUNT NAME -XXXX XXXX XXXX ACCOUNT NUMBER XXXX THESE TWO ACCOUNT ARE FRUDALENT AND HAS CAUSED SEVERAL ADVERSE REACTION.. I DONT KNOW WHERE THESE ACCOUNT BELONG TO I AM ASKING FOR IMMEDIATELY DELETION IF NOT LITIGATION BECAUSE THESE ARE NOT MINE .... 

IM ALSO AWARE THAT THE FCRA SPECIFCALLY 15 USC SECTION L I ( D ) AND 178 I J REQUIRES THAT RECIEVE BOTH WRITTEN NOTIFICATION OF THE APPRORIATE CORRECTION AND DELETION AND UPDATES TO MY CREDIT REPORT WITHOUT ANY CHARGE. 

I also aware that the FCRA- specifically 15 USC sections 168 l i ( d ) and 178 I j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter for it is affecting my credit. I look forward to hearing from you soon. 
I also aware that the FCRA- specifically 15 USC sections 168 l i ( d ) and 178 I j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Also Consume Law 15USC section 16662a states consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In addition all charge off need to be delete as well such as XXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXX XXXX has charged this account off. IT can not be a debt and gross income or earned income for the company. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 
Another credit Violation these accounts are charged off and 1099 has been filed it can not be debt an gross income or earned income.. DELETE BOTH ACCOUNT LISTED. OR I WILL SEEK MONTEARY DAMANAGES AND NEGLIENCE FROM EQUIFAX.

Company response to consumer: Closed with explanation