Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My last 4 of Social is XXXX Earlier this year, I filed a complaint against Discover Card for not closing my account when I requested to close it, CFPB took action and Discover closed my card. 

Now, I am having a much bigger issue with Discover Card. I was affected by COVID-19, Discover Card asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called Discover and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, Discover called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that Discover has reported late payment and my score went down by 62 points. Discover 's rep falsely promised and assured me that late payments will not be reported.
Complaint sub-issue: Public record information inaccurate

Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence.

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the Honorable Judge XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently contacted the CFPB in regards to complaint # XXXX entered XX/XX/2022 against Equifax, the representative stated that the CFPB thought the complaint was entered by a third party, I explained to the rep. that I personally entered the complaint on my own behalf. I was instructed to resubmit the complaint and specify that I personally submitted the complaint. 
I have previously disputed the entry listed below with Equifax and they verified the entry as accurate. Stating the courts verified entry as accurate. I contacted the Bankruptcy courts and the courts response is that they DO NOT verify information with any credit reporting agencies. I also contacted XXXX and the REMOVED the public record on file because the could not verify the entry as accurate. I sent Equifax a copy of the letter I received from the Bankruptcy courts and a copy of my XXXX report the parties Equifax stated verified the information and their response is enclosed to the CFPB. 
Item disputed XXXX XXXX XXXX # XXXX It is clear that the courts do not verify information with Equifax or any credit reporting agencies like XXXX and that public records are not verifiable but information readily available to the public to see with no identifying numbers to connect to a certain individual. 
Therefore your original response verifying the items with the court which Equifax listed as verifying party on there response was either an error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately. 
I am enclosing a copy of my SS card, XXXX drivers license, work ID and a copy of my utility bill as proof of identity.
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a laptop computer from Best Buy in XX/XX/2021 and it supposed to be delivered by XX/XX/2021. While I was at work I got text saying your package is delivered but I called roommate a the time and checked out and said there is no package. I contacted Best Buy support multiple times and they said they going to reship in first call after XXXX weeks I called again and they said we will refund however it so long and I went back to visit my parents. I got an email saying you have report to police. I filed dispute with Citi bank but I didnt got anything back. I did apply XXXX claim and they sent me a copy of signature just a dash that I didnt signed on it because I was working at the time.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance on XX/XX/2022 {$1600.00} XXXX XXXX XXXX XXXX LATE PAYMENTS Original loan amount {$20000.00}
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans that have been rehabbed are being report twice on Equifax and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. XXXX  will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

FRAUD/IDENTITY THEFT WHICH HAS ALREADY BEEN REPORTED. I do NOT recognize these inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax refuses to update my name, after submitting the name change under dispute electronically and via snail mail for a total of at least 4 times I legally changed my XXXX XX/XX/XXXX. 

XX/XX/XXXX Electronically submitted my court name change document at XXXXXXXX XXXX Dispute # : XXXX This dispute was closed with ZERO notification of result ( they did NOTHING ) XX/XX/XXXX Snail mailed : Court name change, DOL, Social Security letter to me Equifax XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Account status incorrect

Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. XXXX XXXX continued to report inaccurate information to all 3 the credit buraus. After each dispute XXXX XXXX would come back and say the information they are reporting was accurate. In XXXX, Equifax deleted the account after a dispute due to the continuous inaccurate reporting from XXXX XXXX. I grew so tired of the back and forth between XXXX XXXX, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from Equifax indicating that XXXX XXXX requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My Equifax credit score took a hit for the reinsertion of an account with debt I don't actually owe.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/20192019
Complaint sub-issue: Cashing a check

I tried to sell my furniture through an online app and was given a check to deposit into my citibank account. When I printed the amount it had an amount more than the total and I was asked to pay a portion of the amount to the mover who will come to pick up the furniture. 
I did a mobile deposit of the check and then later on reached out to the citibank representative to see if this amount has cleared and whether it will bounce back. 
This is the response I got from the citibank representative : Me : Does that mean it ( check ) could bounce back? 
Citibank Rep : " No, I have checked again and we have added the amount successfully in your account and it will not get reversed '' On getting this clearance from the bank I went ahead and made a payment through XXXX ( From the citi bank app itself ) to the said mover.

After a few days the check bounced and I lost my money as I had already paid the said movers by then. 

I reached out to Citibank seeking for help and told there's a fraudulent activity. I explained to them the whole thing and that I received a confirmation from citi bank before I considered making payment through XXXX ( From citi bank app ). 

The bank then told me they will not be able to help me for the check and when I asked why the representative confirmed it would Not bounce - they said check could bounce subject to balance available in the other party 's account. I asked them why they didn't tell me this important point when I reached out in the first place and they had no answer. I told them please dispute my case and they said they will try to dispute the XXXX payment and I raised a case and now they told me they can not help me with this or get my money back for me. The bank is taking no responsibility for a fictitious check or for the fact they misinformed me about its clearance nor the XXXX app used ( through citi bank ). 

Kindly help me get a resolution for this issue as it has been over a month, thank you.
Complaint sub-issue: Information belongs to someone else

The following accounts need attention:XXXX XXXX XXXX Amount $XXXX   Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXXt  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.
Complaint sub-issue: Account status incorrect

EQUIFAX has refused to delete a collection account from my credit report even after the collection agency that initially furnished them with the information sent them a delete letter and an auto delete request. After I initially disputed this with EQUIFAX the account was changed to PAID but remained on my report with a XXXX balance. I contacted EQUIFAX again and provided and provided the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MDS ) sent to all the credit reporting agencies on XX/XX/2020 asking them to delete the collection from my credit file. Whereas XXXX  and XXXX  deleted the collection from my credit file EQUIFAX went ahead and changed the status of the account to UNPAID. 
I have called EQUIFAX many times and uploaded the letter from XXXX ( see attached. ) When I called them yesterday ( XX/XX/2020 ) they acknowledged receiving the letter from me but stated they can not delete the collection because they allegedly have not received it from the information furnishing company. I offered to forward them the email from XXXX stating that the letter was sent to ALL the three agencies and also attempted to give them the AUTO DELETION number XXXX provided by XXXX on XX/XX/2020 but they refused to take it. This has significantly affected my credit rating and hindered me from moving on with important family projects.
Complaint sub-issue: Contacted employer after asked not to

I recently started a job, and today I received this email from the receptionist : Hi, Someone from Allied Interstate , LLC called a couple times today for you. you were n't in the office and I transferred him to voicemail. He chose not to leave a message and called me back a few hours later. 
I suspected this was a solicitor. When you were n't available, he asked who you report to. I asked what it was regarding. The caller became aggressive and would n't tell me what he wanted, saying that what he was calling about did not affect who you report to. He gave me information about a debt that I should n't know about. When I told him you were n't in, he hung up on me. 

This is a new place of business and my boss has mentioned this to me. Places like this want to collect you 're outstanding debt, but this is now reached harassment at the workplace and these tactics have placed me at risk of losing my job. In that respect that means " No job=no money ''.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Information belongs to someone else

Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal trade commission and need these accounts to be removed immediately. Under the law of section 605 of the FCRA, you have 4 days to comply. Thank you!
Complaint sub-issue: Public record information inaccurate

On  XXXX   XXXX ,  XXXX , a federal tax lien in the amount of {$16000.00} was filed at the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The lien was satisfied and then released on  XXXX   XXXX ,  XXXX . The lien was later withdrawn on  XXXX   XXXX ,  XXXX .     Equifax is still showing this lien on my credit report. On  XXXX   XXXX ,  XXXX , I filed a dispute at Equifax and sent them both the Certificate of Release o f Federal Tax Lien AN D the Withdrawal of Filed Notice of  Federal Tax Lien after R elease from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I was told that this information was provided and verified to be accurate by a third party -  XXXX . No change was made to my credit report.     I contacted  XXXX  and provided them with the same court documentation showing that the lien has been released and has also been withdrawn.  XXXX  filed a dispute with Equifax on my behalf ; however, once again I received a results letter stating the lien was accurate as reported.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX All Inquiries under the FCRA and FDCPA