Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, I have disputed with Equifax for a wrong collection item on my Equifax credit report due to identity theft several times and also with XXXX, but Equifax is not willing to solve the issue and remove the incorrect information on my credit report due to identity theft. 

I get an identity theft on XXXX. I lost my wallet on XXXX XXXX, which include my SSN card, WA driver license, XXXX XXXX ID card and XXXX XXXX insurance card inside my wallet. I moved to XXXX XXXX on XXXX XXXX, for XXXX position in University XXXX XXXX California XXXX XXXX XXXX XXXX. I received a bill from XXXX XXXX XXXX XXXX XXXX located at XXXX, said that I have done XXXX at their clinic at XXXX XXXX. This is not possible as I am not even live at XXXX that time. I have Offer from XXXX indicated that my start date is XXXX XXXX, XXXX. This is due to identity theft and someone used my SSN, name, XXXX and old XXXX insurance card I lost before. I called XXXX XXXX XXXX immediately to stop my insurance coverage after I receive the wrong bill from dentist. I have called XXXX XXXX XXXX XXXX XXXX many times but they refused to remove the bill but just want the money which was not belonged me, but someone stolen my identity and insurance card. Finally, the dentist called the collection on XXXX for bill not belong to me, and messed up my excellent credit. I have disputed this with Equifax on XXXX but they do n't remove the collection from my account. I filed dispute with Equifax again on late XXXX for identity theft and required to remove the incorrect collection item on my credit file ( Dispute Confirmation number XXXX XXXX ), and attached the evidences ( the offer letter from XXXX stated my work start date ), but Equifax replied me with same message again and again, indicated that because the original creditor provides them my name XXXX DOB and SSN correct so it is belonged to me, which is of course not an strong evidence as I already mentioned before that my lost wallet include all this information. 

I have submitted the same dispute to XXXX and XXXX, and after investigation, they XXXX deleted the incorrect collection file on my XXXX and XXXX credit reports. I filed XXXX complain for Equifax ( case number XXXX ), but Equifax gave me same response again and again without seeing any of my disputing information, that they will not remove the incorrect collection item on my file. Even the worse, Equifax updated the collection in my report with increased amount of money recently and my credit score dropped XXXX more points in XXXX XXXX. 

I always have very clean credit history from XXXX, with no late payment at all. I have no reason to not pay this small bill and ruin my credit unless it is not belonged to me. Equifax is not listen to what customer told them and only listen to creditor 's information. This is not fair to me. Equifax should delete the incorrect collection item in my credit report file due to incorrect information and identity theft due to Fair Credit Reporting Act. Please help me on this issue with Equifax to remove the incorrect information on my credit file. Thank you so much!