Consumer complaint received 2024-07-10
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. (CO)

I XXXX XXXX XXXX am filing this FTC/CFPB identity theft report on several fraudulent accounts appearing on my consumer fico credit report with XXXX, XXXX, and Equifax which I do not recognize as reported and which are the result of identity theft and fraud. 
These fraudulent accounts consist of 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3.  XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXX XXXX XXXXXXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. 

I have contacted XXXX Multiple times to try and correct my consumer file with no success. i also filed a complaint about these aforementioned companies not having a contract with my wet ink signature with terms and conditions of the contract made between XXXX XXXX XXXX and aforementioned debt collection companies. 

I demand that the aforementioned fraudulent accounts be removed from each of my XXXX XXXX XXXX, Equifax, XXXX etc. no more than XXXX business days after receipt of this correspondence and that all collection activity related to said items, seized, pursuant to my rights within the FCRA and FDCPA. 
Im filing this CFPB complaint to request, pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer purpose of consumer reports. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 
I demand that XXXX XXXX and Equifax credit reporting agencies block information on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. the fraudulent inaccurate and false information consists of the following. 
1. XXXX XXXX XXXX - XXXX Opened XXXX Amount - {$1200.00} Noticed account was not removed from my report XX/XX/year> XXXX. XXXX XXXX XXXX - XXXX Date opened XXXX Amount - {$130.00} Noticed account was not removed from my report XX/XX/year> 3. XXXX XXXX XXXX XXXX Date opened XXXX Amount - {$480.00} Noticed account was not removed from my report XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Date opened XXXX Amount - {$1000.00} Noticed account was not removed from my report XX/XX/year> I do not Consent to these collection companies to resell the aforementioned Accounts with my personal information on it to other companies, investors, debt collectors, or attorneys etc. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of my consumer fico credit report showing these fraudulent items I do not recognize the aforementioned accounts collections or hard inquiries as reported. these items were not opened, made or initiated by me and are the result of identity theft and fraud. 
To support my claim I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX Federal Trade Commission that these accounts, collections and hard inquiries are fraudulent I request pursuant to the FCRA 605 B, 15 USC 1681 C two that the XXXX XXXX and Equifax credit reporting agencies block all the identified fraudulent accounts collections and hard inquiries from my consumer credit file within XXXX business days of receiving this complaint. 
Please provide written confirmation regarding the actions taken on this complaint. thank you for your prompt attention to this matter. 

Best Regards. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX