Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally lodge a complaint regarding the repeated attempts I have made to rectify fraudulent items on my credit file. Despite multiple efforts to resolve this issue, the fraudulent information remains on my credit report, and I believe this is in violation of the Fair Credit Reporting Act. I would like to provide you with a summary of the situation and the efforts I have taken to address it : I discovered several items on my credit report that I believe are the result of identity theft or fraudulent activity. Upon discovering these fraudulent items, I immediately filed a dispute with your agency, providing all necessary supporting documentation and evidence to substantiate my claim. After an initial response from your agency, I requested a reinvestigation of the disputed items, as I believed that they were not adequately addressed during the initial dispute process. I have sent multiple follow-up letters, emails, and made several phone calls to your agency, requesting updates on the status of my dispute and the progress of the reinvestigation. Despite my repeated attempts, I have not received any resolution or satisfactory response. I understand that the Fair Credit Reporting Act requires credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. However, my dispute has not been resolved within this timeframe, which is a clear violation of my rights as a consumer. I hereby request that you : Conduct a thorough and immediate investigation into the disputed items on my credit report as required by law. Provide me with a written response detailing the results of your investigation, including any actions taken to rectify the fraudulent items. If it is determined that the items are indeed fraudulent, I request that you promptly remove them from my credit report. Ensure that your agency complies with all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1500.00} XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$7900.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 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 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 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 XXXX XXXX