Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am a victim of identity theft. I have been corresponding with Equifax for months about an account that's reporting on my credit report by XXXX XXXX that is not mine. I have explained to them and provided them with several documents relating to the account and they still have not removed/blocked the information from my credit report. They also refuse to provide me with any documentation to verify the said debt. I have also contacted the original creditor, XXXX XXXX, several times to inform them that I have been a victim of identify fraud and requested documentation for the debt that they say I owe. To this day, XXXX, XXXX XXXX has not provided me with any documentation of the debit. Equifax has not provided me with documentation I have asked for to verify the debt. The following is a summary as to all the action that has been taken : On or about XXXX XXXX I was contacted via phone by XXXX XXXX attempting to collect a debt that I did not know about, so I sent XXXX XXXX a debt validation request on or about XX/XX/XXXX ( this letter is attached as XXXX XXXX ) which they responded asking for more information on or about XX/XX/XXXX ( this letter is attached as XXXX XXXX  ). I responded via letter on or about XX/XX/XXXX stating that I had been a victim of identity theft and disputed the debt they said I owed and asserted that the account was fraudulent & that I was a victim of Identity theft and requested for them to verify with the debt with a debt verification letter which supplied a complete signed contract, an itemized breakdown of what they claim I owed, etc. ( this letter is attached as XXXX XXXX XXXX. XXXX XXXX responded back on or about XX/XX/XXXX, stating they were updating my Equifax report but did not send any of the requested debt verification material ( this letter is attached as exhibit D ). As of today XX/XX/XXXX, I have sent several letters to Equifax explaining and providing proof of my claims of identity theft, but nothing changes. On or about XX/XX/XXXX, I sent Equifax a request to describe the Method of Verification for the debt for XXXX XXXX but never got a response ( this letter is attached as exhibit XXXX ). On or about XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX, via their attorney XXXX XXXX XXXX, a Cease-and-Desist Letter in reference to above referenced account ( this letter is attached as exhibit F ). A XXXX return receipt shows the successful acceptance of the letter by them on or about XX/XX/XXXX ( this RECIPET is attached as XXXX XXXX XXXX. On XX/XX/XXXX I sent Equifax a letter demanding that the information be block pursuant to section XXXX of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. On or around XX/XX/XXXX, I made a police report about identity theft ( this report is attached as exhibit H ) and also made an Identity Theft Report to the Federal Trade Commission ( this report is enclosed I ). I have also recently received XXXX separate letters from XXXX separate companies that my personal information had been involved in a XXXX XXXX ; the XXXX companies are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( this letter is attached as XXXX XXXX XXXX XXXX. XXXX ( this letter is attached as XXXX XXXX  ) On XX/XX/XXXX Equifax responded by saying that the information had be verified but still has not provided me with any documentation. I am in the process of buying a home and truly need this resolved.