Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I received a response from Equifax on XX/XX/year> through the XXXX Portal. And I am still having issues with the wayEquifax is allowing inaccurate information to continue to be reported. The issues that I am still having with XXXX XXXX account number ending XXXX. Case numberXXXX. And the other issue Im having with Equifax allowing inaccurate information to continue to be reported is with XXXX XXXX XXXX Account number-XXXX  .case number-XXXX. Account ending-XXXX. The issue regarding this Fraudulent account with XXXX XXXX XXXX. Is that Equifax notify me Saying that due to your investigation, you found that this account was verified as accurate and belongs to me. On XX/XX/XXXX of 2024 I received a letterhead from XXXX XXXX XXXX, customer care manager XXXX XXXX stating that the company was requesting the removal of this fraudulent account from my credit report, I have this letter from the company and will be submitting it in the attachments as proof. And would like to give Equifax an opportunity to delete this fraudulent information.the second issue that Im having Is with the Fraudulent account with XXXX XXXX XXXX. I have not received a response from XXXX XXXX XXXX  in regards to the complaint that I filed through XXXX. Im informing Equifax once again regarding this Fraudulent account that I do not recognize this fraudulent account nor do I Admit to any responsibility Without proof of the contractual Obligation. Im requesting to see the Bill of sale and all billing sales from XXXX XXXX. im requesting proof that they are the original due holder in the course of this debt. Im requesting the documents from where they bought this Debt. Im requesting that they show the counter records that prove I open this debt up until this present date. Im requesting that they show the original contracts Where I agreed to enter into a contract with them. Im requesting all the original documents associated with this debt, bearing my signature and authorization. Im requesting their method of verification pertaining to those documents as is my right per fair credit reporting act 611 ( 5 ) ( a ). Im informing you that your offense is amount to aggravated identity theft pursuant to 18 U.S.C. ~1028A. You have Knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability. Pursuant to 15 U.S.C.~ 1681n ( a ), Any person who knowingly Willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined under the title 18, In prison for not more than two years or both. Consumers suffer Harm when consumer reporting agencies and furnishes of information, allow fraudulent activities to persist without proper authorization from the consumer. These harms Include the invasion of consumer privacy, as well as reputational, Emotional, physical, and economical harms. Ive been hindered From establishing new lines of credit and credit lines of increase because of your willful violation of the fair credit reporting act. Therefore, I am demanding these accounts be blocked and deleted because they do not belong to me once again attaching proof of my incarceration at the time that these accounts were open, fraudulently in my name, at the end of this complaint.