Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

XXXX. XXXX Attn. Equifax Equifax Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Ftc # XXXX Dear Equifax Fraud Division, I, XXXX XXXX, hereby file this complaint on my own will and behalf, without the help of any third party. 

I'm submitting a new Identity Theft report along with a new CFPB report. 

I also want to formally address the credit denial I have recently experienced due to erroneous information being reported by Equifax. Over the past few months, I have made significant efforts to improve and maintain my credit profile. However, despite these efforts, inaccurate and outdated information continues to appear on my Equifax credit report, directly impacting my ability to qualify for essential financial services. 

I have attached letters of denial from various financial institutions which clearly outline the reasons for my denied applications. These letters provide specific details about the discrepancies and inaccuracies reflected in my Equifax credit report, which are unjustly lowering my credit score. As a result, this has hindered my ability to access credit, pursue career opportunities, and make progress in my personal financial goals. 

The inaccuracies on my credit report are not only causing damage to my creditworthiness but also obstructing my ability to advance in society. Whether it be securing loans, renting property, or obtaining other critical financial resources, these inaccuracies are preventing me from reaching my full potential. 

I request that Equifax immediately review my credit report, rectify these inaccuracies, and update my score accordingly. I trust this matter will be treated with the urgency and importance it deserves, as the repercussions of these errors are far-reaching and negatively impacting multiple areas of my life. 


I'm concerned about Equifax 's biased treatment towards XXXX individuals, as evidenced by repeated failures to correct inaccuracies in credit reports, even after proper documentation and FTC Identity Theft complaints were submitted. My concern is further heightened by the following notable lawsuits : 1. Equifax Lawsuits for Credit Report Inaccuracies : Equifax has faced various lawsuits for inaccuracies in credit reporting. For example, in XXXX, XXXX XXXX sued the company due to a credit score error that impacted her ability to secure a car loan at a favorable rate. This lawsuit seeks class-action status, which could affect many individuals similarly impacted by credit reporting errors. While this case doesn't involve XXXX individuals specifically, it reflects Equifax 's history of reporting mistakes that could impact any group. 

2. XXXX v. Equifax ( XXXX ) : A class action lawsuit where Equifax failed to correct fraudulent information on credit reports, leading to credit denials for XXXX and others. 


3. Ohio Residents Class Action ( XXXX ) : Ohio residents filed a lawsuit after Equifax ignored FTC complaints, causing them to be denied housing and loans due to false information. 


4. Top Class Action Identity Theft Investigation : Ongoing lawsuits involve Equifax not removing fraudulent accounts even with valid FTC Identity Theft affidavits, causing financial harm to affected individuals. 


These cases demonstrate the struggles consumers face in holding Equifax accountable for credit reporting errors, which disproportionately impact vulnerable groups. 


When I mailed personal information to Equifax, it was tampered with, causing more inaccuracies to end up on my credit report. 

I am requesting the removal of the following creditors and inquiries : 1. XXXX XXXX : - Reason : Fraud - Not my account - Account Number : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XXXX - Type : Personal Card 2. XXXX XXXX : - Reason : Fraud - Not my account - Account Number : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XXXX - Type : Business Card 3. XXXX XXXX XXXX  : XXXX ( previously deleted ) - Reason : Fraud - Not my account - Type : Repossession - Amount owed : {$2100.00} - Original Loan : {$15000.00} - Date Opened : XXXX 4. Inquiry : XXXX XXXX  - XX/XX/XXXX - Reason : Fraud - Did not authorize - AKA : CompanyXXXX - Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Under 15 U.S.C. 1681c-2, I am requesting Equifax to delete and block the mentioned creditors and inquiries. 

I request that Equifax take immediate action to delete and block these fraudulent accounts from my credit report. This is essential to ensure the accuracy of my credit information and protect my financial well-being. 

XXXX XXXX  : XX/XX/XXXX I have attached a letter from XXXX XXXX  to further support my situation as a victim of identity theft. In this same situation, Equifax claimed to have conducted an investigation, siding 100 % with the creditor. However, this creditor did, in fact, take my FTC complaint seriously and acknowledged that I am not responsible for this account. 

Furthermore, I am deeply concerned about Equifax 's compliance with the Fair Credit Reporting Act ( FCRA ), given recent legal precedents such as " XXXX XXXX Equifax Information Services, LLC '' and " XXXX XXXX Equifax Inc. '' It is evident that Equifax has faced litigation for similar violations in the past, underscoring the importance of addressing inaccuracies promptly and appropriately. 


Rights : - 15 U.S Code 1681s-2 - 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.

- 15 U.S.C. 1681c-2 : Block of information resulting from identity theft - I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft. 

Updated Information : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX Phone : XXXX Email : XXXX Dob : XXXX Social : XXXX Sincerely, XXXX XXXX