Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> To Whom It May Concern : Opportunity to cure Notice to agent is notice to principal notice to principal is notice to agent. 

You have no respect for the law and its provisions! I was reading a letter from the CFPB to congress and in that letter it stated that the nation consumer reporting agencies acts like they are above the law but your not. 
Just like every other consumer reporting agencies you must follow FCRA guidelines and when you fail to follow them best believe I will be read to file my lawsuit against you! 

I will address this matter one more time, I am a victim of identity theft! 15 USC 1681c-2 is specifically clear on what a consumer reporting agency must do regarding an alleged identity.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Why do you keep furnishing information on my consumer that is part of an alleged identity identity theft. I have sent you all required documentation that is needed to satisfy the section. The law is very clear on what needs to be done.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 4 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. 




I have attached all the relevant documents pursuant the above Section of the law. 
I demand all the above Fraudulent accounts DELETED immediately. 
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Why wasnt this information blocked?

This inaccurate information has caused severe financial ( Missed opportunities ) stress on my family. I am unable to open lines of credit to better my financial circumcise, the reporting of these alleged identity theft account/s has violated my consumer rights! 15 USC 6801 and 15 USC 6802. This is deceptive reporting is not fair or equitable to me.

I expect all accounts that have this Alleged identity theft to be delete. 
Please send me an updated copy of my consumer reports 10 days from today XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX