Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. EQUIFAX is reporting an account to XXXX XXXX XXXX XXXX XXXX report that is directly related to identity theft. The account in regards to XXXX XXXX is directly related to identity theft. XXXX XXXX has responded to my previous complaints about this fraudulent account and XXXX XXXX has admitted that the account is fraudulent. I have attached my proof of ID, my social security account number, an ftc report, and the correspondence I received from XXXX XXXX regarding this matter. I demand that this account be removed from my consumer report. Furthermore EQUIFAX is also reporting inaccurate information to my consumer report. The employers XXXX, and XXXX XXXX  are inaccurate information that is being reported. I have never worked for these employers. I demand this information be removed from my consumer report. Furthermore there is an inaccurate address being reported to my EQUIFAX report. XXXX XXXX XXXX XXXX XXXX XXXX is a nonmailable address I do reside at this address nor do I receive mail there. I demand this address be removed. Furthermore there are inquires being reported to my consumer report that XXXX XXXX XXXX XXXX did not authorize. These inquires are fraudulent. The inquires are : XXXX XXXX VIA DEALER Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : XXXX XXXX, XXXX I demand all the items that I listed in this complaint be removed immediately THE FCRA is law that backs up my claims. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX XXXX. XXXX ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation XXXX CFR XXXX Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
XXXX added to your report without your written consent could be considered Identity theft XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all of those in this complaint.