Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

THIS IS NOT A DUPLICATE FILING IT CONTAINS NEW INFORMATION AND SUBMISSIONS TO SATE ATTORNEY GENERALS To Whom it may concern, I was a victim of Identity theft and I have been working with over 25 vendors and all three CRA for over a year to have them removed. 
I was a XXXX agent and was intentionally struck by a vehicle as a pedestrian on a well child check by a mother. As a result, I suffered cervical and XXXX injuries and a XXXX XXXX XXXX that left me unable to care for myself and legally incapacitated and not able to make decisions for myself. 
At that time, I became the documented victim of financial exploitation of a vulnerable adult. 
I am also a domestic XXXX survivor and fled with my autistic son XXXX miles. I am now facing homelessness with the XXXX XXXX due to the lender and most importantly the CRAs refusal to address the negative marks on my credit file. 
Despite not being legally responsible as I was not able to make financial decisions at the time, the documented financial exploitation by law enforcement, and dozens of attempts to remove the items the CRA and lenders refuse to remove the negative accounts thus resulting in inaccurate histories and a massive drop in my credit number and file. As a result, I have been unable to find permanent housing and my son, and I ( BOTH XXXX ) are suffering financially and are housing unstable. 
The lenders, and the CRA, are aware of this. 
Therefore, I am asking the credit agency to SPECIFICALLY LIST AND EXPLAIN the EXACT REASON why the block is being denied, and to provide SUBSTANTIVE EVIDENCE AND JUSTIFICATION THAT PROVES the account was either a result of an error on my part, a misrepresentation, or to list and PROVE that I received goods or services or should have known I received goods and services as a result of the fraud. 

As I have stated DOZENS of times to the CRA : 1. This report now, and the dozens made prior regarding this account WAS NOT MADE IN ERROR. I am AWARE that I am making this dispute request. 
2. This report now, and the dozens made prior regarding this account, IS NOT A MATERIAL MISREPRESENATION and my XXXX and injuries are supported by the Law Enforcement ( APS ) report and the fact that I am considered legally XXXX by the XXXX and receive SSDI as a result of the accident that left me unable to care for myself or make decisions for myself at the time of the fraud. 
3. I have never received any monies or goods as a result of this account. It is documented that I was the victim of Financial Exploitation as a result of the injury by Law Enforcement, and the supporting documents and my XXXX proves it is IMPOSSIBLE for me to have known about any accounts taken out or monies/goods received at the time. 

Once again, I would ask the supplier of this account and the CRA both be asked to provide INCONTROVERTABLE PROOF and SPECIFY which part of the CRA 605B they are using to deny my dispute.

The CRA continues to simply send canned information and use stale reports from unscrupulous vendors to not do its job. When asked they do not provide ANY information to support the decision whatsoever.

I would ALSO like to note that the FCRA DOES NOT require the FTC report to be filed with law enforcement it simply stated it needs to be filed to complete the requirements for removal. However, the CRA continues to ask for this requirement at times and refuses to accept the XXXX report as a Law Enforcement document despite readily admitting it is aware that XXXX is the proper agency to serve vulnerable adults and children in the state and it was properly filed and handled. 
However, as I stated, it is a moot point as the FCRA does not require a Law Enforcement report to be filed whatsoever, so it is not needed. 

I WOULD ALSO LIKE TO POINT OUT THAT THE FCRA SPECIFICALLY STATES : FCRA 605B Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

However each and every lender and CRA is using the excuse the file was provided and it contained the correct and updated information to keep the mark in the file. Just because the stale and invalid information is in the file does NOT MEAN IT IS NOT FRAUD AND SHOULD BE DELETED AND/OR BLOCKED.

Victims of fraud and abuse are being re-victimized by both lenders and the CRA.

The lenders continue to allow electronic signatures with NO VALIDATION or any contact with the lendee whatsoever. As a result, if someone has the basic demographic information of an individual or is a person with access to that information as a guardian including ones bank account, it is EASY for that person to take out accounts of all sorts without the victim ever knowing about it.

The lender then simply states it has an e-signature and they do not have to provide any proof they contacted the victim or have a physical signature, and often tell that victim they do not care who repays them someone will most likely the victim in order for them to retrieve their good name and credit.

This is PREDATORY in nature and an act commonly being used as the benefits far outweigh the negative financial losses for lenders. The lender then resells the loan and states they do not have it any longer and can not ( they can ) remove the mark from the file and ask for repayment anyway when they are aware of the fraud, or send stale and improper information to the CRA over and over to keep the negative account on file and pressure the victim revictimizing them over and over.

The CRA accepts this stale information to avoid addressing the fraud and likewise continue to make monies from the vendors and send out canned emails that do not address the issue and often are full of contradictory and incoherent wording. As stated above, they list multiple reasons for the denial to block, but NEVER state which reason is being used to support the decision and do not provide evidence whatsoever to the victim.

It is a vicious circle.

I would ask that the agency please step in and force the Lenders and the CRA to begin properly blocking and removing these items when fraud is committed, and to provide SPECIFIC reasons to base denials upon and not just provide the generic wording of the FCRA that DOES NOT address INDIVIDUAL problems.

ALSO, as I have ALWAYS DONE, I am providing all needed demographic information at the end of this letter, and attaching ID, utility bills etc. as required by the FCRA.

The agencies CONTINUE to deny and list as a basis they need this information, despite it being provided dozens of times.

I have also attached FTC reports, XXXX complaints, CFPB complaints, etc. In each AND EVERY COMPLAINT I provided all the above information, and it was provided by that agency to the lender and CRA yet they continue to claim they do not have it. This is either a result of incompetence, not reading the actual complaint or dispute, or intentional negligence. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( been there over 2 years and addresses the FCRA requirement ) SS ending in XXXX XXXX XXXX ID attached Utility attached XXXX XXXX XXXX Enforcement Attached XXXX FTC Theft Report Attached XXXX  Complaint Attached State Attorney General Report Attached XXXX Complaint Attached Account information XXXX XXXX XXXX  XXXX XXXX Date Opened XXXX {$580.00} in dispute Credit Limit XXXX ( This can not be a charge off SOLD and ALSO being reported as current LATE payments ( over XXXX at the time of this letter. I would DEMAND that I be shown the bills sent to me and that I had available credit or the ability to even pay this bill. Of COURSE I AM NOT ADMITTING IT IS MINE AND I WILL NOT PAY OR TAKE RESPONSIBILTY FOR IT. It is being reported against my debt ratio, yet according to the lender the account it PAID and SOLD. They are playing every side of the fence in order to force me to pay this off despite it not being mine, and their statement that it is sold and they have no recourse for it or that I owe them anything at this point they stated I needed to get the debt buyer to remove their mark ( WHICH THEY HAVE ) and there is nothing they can do abut their reporting WHICH IS FALSE. However, they WOULD TAKE PAYMENT ( which is double dipping. ) This needs removed COMPLETELY. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/ {$3700.00} writtten off This loan is not mine and needs removed immediately. It is the direct result of fraud, and when the XXXX discovered this they sold the debt. They now refuse to remove their mark. The debt buyer has removed their account from the file, and recognized it as fraud.