Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX, Equifax XXXX XXXX ( Review Attached Documents ) Date : XX/XX/XXXX As a victim of identity theft I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) 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. 

Remove Following non-mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Update Accurate Account Payments History Dates : XXXX XXXX XXXX XXXX, Account Type : Installment, Date Opened : XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) XXXX XXXXXXXX XXXX, Account Type : Installment, Date XXXX ( Update Payment information for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as Paid ) Account Name : XXXX XXXXXXXX XXXX, Account Type : Installment, Date Opened : XX/XX/XXXX, Balance : {$0.00} ( Update Payment information for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as Paid ) Remove Unauthorized Fraudulent Accounts Listed Below : Account XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX Balance : {$5000.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX # XXXX Account Type : Revolving Date Opened : XX/XX/XXXX Balance : {$15000.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXXXXXX Account Type : Revolving Date Opened : XX/XX/XXXX Balance : {$2400.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXXXXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX Balance : {$2400.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$450.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$160.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$7100.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX Balance : {$960.00} Remove Unauthorized Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Revolving Date Opened : XXXX Balance : {$870.00} Remove Unauthorized Fraudulent Inquiries listed : XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.