Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. 

However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$970.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$42000.00} ; XXXX XXXX XXXX Owed : {$17000.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX, XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXXXXXX XXXXXXXX ( Original Creditor XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$970.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX ( XXXX Creditor XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX, XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX ( Original Creditor XXXX ) XXXX Balance Owed : {$2000.00} ; XXXXXXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$520.00} ; XXXX & XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; New Charge Off : ( Previously Late Close ) XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXXXX/XX/2022.