Consumer complaint received 2024-02-27
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)

This is the letter i sent to Equifax credit reporting agency. Instead of investigating the fraudulent account, they perceived it as as dispute for the addresses XXXX XXXX has on file I sent Equifax the attached documents as proof the account is not mine and fraudulent My name is XXXX XXXX Disputed account : XXXX XXXX I am a victim of identity theft Please Investigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 
In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
Equifax credit bureau stated my accounts were properly investigated but it can not be possible if the XXXX account IS NOT MINE. The addresses and phone numbers associated with the XXXX account does not belong to me and they are not associated with any of the accounts with the 2 other credit bureaus. Not XXXX or XXXX. 
This is grounds for deletion of the XXXX account from my credit report. 

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 I am requesting a thorough investigation along with Equifax 's method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately by XXXX. 
I reviewed my credit report for. I saw an account for XXXX XXXX. 

THIS ACCOUNT IS NOT MINE. 

I have called XXXX XXXX multiple times to try to rectify the issue. XXXX provided an account number associated with the debt. XXXX provided an address associated with the account at XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been to, lived in, or had a valid ID or drivers license for the state of Tennessee. The address on file with XXXX is not associated with my Equifax credit report nor with the accounts for the other 2 credit reporting agencies ( XXXX and XXXX ). I have never requested my mail be forwarded to that address via USPS. According to XXXX, the address is for a car dealership named XXXX. One can not live at a business establishment. XXXX also has a phone number that I am not and have never been associated with. If Equifax can not verify the accuracy of the information or validate the debt, the information should be deleted from my credit report with Equifax. 

I have made several phone calls and have sent several certified letters informing the representatives that I have been a victim of identity theft multiple times. I have explained multiple times that I have filed an identity theft reports with the Federal Trade Commission and with the XXXX XXXX Police Department. I have repeatedly requested Equifax send documents for me to review in regards to the XXXX XXXX account that is on my credit report. Equifax has never sent the documents. There is a Freeze on my credit reports with all 3 credit bureaus ( XXXX, XXXX and Equifax ). 

I requested he following information from Equifax regarding their investigation into the XXXX XXXX account on my credit report : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. 


Equifax Credit Reporting agency DID NOT provide any of the above requested information or documents. XXXX XXXX gave me instructions how to locate documents on their portal. I sent proof to Equifax and XXXX XXXX the account is not mine, it is fraudulent and result of identity theft. 

( 1 ) The signature on the contract for XXXX with XXXX XXXX is not mine. If Equifax truly did an investigation, they would have compared my signature on my drivers license to the signature on the documents with XXXX XXXX at the very least. 
( 2 ) I have never lived at the addresses on file with XXXX XXXX. 
( 2a ) The address on the contract is XXXXXXXX XXXX XXXX in XXXX XXXX, Georgia. In XXXXXXXX, I rented a room at XXXXXXXX XXXX XXXX in XXXX XXXX, Georgia for 2 months. On XX/XX/2018 I was victim of internet crime on several occasions and completed a Complaint Referral Form with the Internet Crime Complaint Center while renting a room at XXXX XXXXXXXX XXXX in XXXX XXXX, Georgia. Attached to this dispute is proof that I did not live at the address on the contract with XXXX XXXX. My phone and drivers license was stolen at XXXX XXXX grocery store in XXXX XXXX, Georgia. 
( 2b ) I have never lived at the address XXXX XXXX has mailed correspondence to. According to an XXXX XXXX representative, they sent multiple letters to XXXX XXXX XXXX XXXX XXXX, TN XXXX. I Googled the address. It belongs to a car dealership named XXXX. I have never lived at that address. No one can live at a car dealership. I have never requested my mail be forwarded to that address via XXXX. If Equifax did a proper investigation, they could have at least XXXX the address. 

The XXXX XXXX account is NOT MINE. XXXX has already deleted the XXXX account information from the credit reports. Equifax refuses to do the same. I also am in communication with XXXX regarding to this matter. 

** Equifax is gathering information from multiple sources ( factual and fraudulent ) the info to build a profile but refuses to use factual information from the actual consumer to use for their investigation to remove fraudulent/incorrect/invalidated information from the credit report. Instead of using the information and documents I have submitted for the investigation, Equifax is adding to their profile. 

I have proven the XXXX XXXX account on my credit report is NOT MINE. Equifax has inaccurate and invalid information that should be deleted from my credit report.