Consumer complaint received 2024-07-04
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)

XX/XX/year> Attn. Equifax Equifax Fraud Division XXXX XXXX XXXX XXXX, GA XXXX On this day, I spoke with XXXX, ID # XXXX. 
Employer Reference Number : XXXX Dispute Reference Number : 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 was attempting to dispute inaccuracies on my credit reports and was informed that Equifax " only sides '' with the creditors and that if I wanted to have a creditor removed, I would need to file a lawsuit. This conversation was recorded by me and also on a recorded line, ending at XXXX XXXX lasting 22 minutes and 29 seconds. 

I have already submitted identity theft complaints and mailed copies of my identity ; however, nothing has changed regarding Account # XXXX. 

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

I am requesting a thorough investigation and the removal of the following creditors and inquiries : XXXX. XXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account Number : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XXXX - Type : Personal Card XXXX. XXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account Number : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XXXX - Type : Business Card XXXX. Account Number : XXXX ( previously deleted ) - Reason : Fraud - Not my account - Type : Repossession - Amount owed : {$2100.00} - Original Loan : {$15000.00} - Date Opened : XXXX XXXX. Inquiry : XXXXXXXX XXXX  - XX/XX/year> - Reason : Fraud - Did not authorize - AKA : XXXX - 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 XXXX XXXX XXXXXX/XX/year> 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. 

According to my XXXX Credit Report, Equifax has pulled or obtained my XXXX Credit Report numerous times ( see attached ), which clearly show the fraudulent Account # XXXX as disputed and deleted. I never authorized Equifax to use my personal information for any reason. I encourage Equifax to follow suit, delete said accounts, and update my mailing address and phone number. 

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 XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX Email : XXXX Sincerely, XXXX XXXX