Consumer complaint received 2024-03-19
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC. (FL)

Subject : Identity Theft Report and Request for Investigation Dear EQUIFAX LLC, I hope this letter finds you well. I am writing to report a case of identity theft that I recently discovered. I believe someone is using my personal information, specifically my social security number, to engage in fraudulent activities. 
I have noticed unauthorized activities, such as the creation of a cell phone account and a XXXX account under my name and picture. These actions have raised serious concerns about potential damage to my credit and personal reputation. 
I request your immediate assistance in investigating this matter and taking appropriate actions to prevent any further misuse of my identity. Below, I have outlined the details of the fraudulent activities : Cell Phone Account : XXXX Account Holder 's Name : XXXX On the XXXXXXXX XXXX XXXXXXXX, XXXX, at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I encountered an individual offering free phones outside the store, claiming to work for the government. Despite expressing skepticism, I provided my driver 's license for verification. 
The individual requested my social security number, which I did not remember whether I provide it. While she could not do it without my social security. It meant, I should have given it to her I guessed. However, minutes later, she claimed I was qualified and obtained my credit card information. She activated a phone with the number XXXX, and issues with the phone later led me to contact XXXX and XXXX XXXX XXXX She called the companys provider to get the money and activate the phone number. At last, she wrote down XXXX for customer support and XXXX as my phone number. 
The phone has been broken, so I called XXXX to transfer the XXXX card to another device. On the XXXX of XXXX, XXXX, I and the XXXXe customer representative named XXXX have spent 1 hr. 3 minutes and 2 second on the phone. It did not fix. He has sent me to a XXXX Store to fix it. On the XXXX of XXXX, XXXX, I went to three Locations, so they sent me to XXXX XXXX XXXX sent back to XXXX. Until a XXXX Representative revealed to me that the number was not under my name after using my social security number. He has asked to me to call the customer service one more time, and did it. They connected me with XXXX XXXXXXXX XXXX and we spent 58 minutes and 54 second, they promised to ship me another phone. 
On the XXXX XXXX of XXXX, XXXX, at XXXX XXXX XXXX XXXX. I went to the Sheriff Office XXXX XXXX XXXX, Florida to report the issue, so the Police Officer has advised me to go back to the police station in XXXX XXXX, Florida, in the jurisdiction where the issue was happened to better serve me. Moreover, she created a XXXX Account under my picture XXXX XXXX XXXX XXXXXXXX In addition to the identity theft, I have two more complaints affecting my credit : Finally, on the XXXX of XXXX, XXXX, I have called the Equifax to report that matter, so the Agent who I was talking with advised me to address my complaint by writing. 

Two other Complaints : 1 ) XXXX XXXX XXXX XXXX XXXX 
2 ) XXXX XXXX XXXX : Debt Settlement Issue : 1 ) In XX/XX/XXXX, I was receiving a letter from XXXX XXXX XXXX  XXXX XXXX as the account manager offered me to make a settlement with my creditors to pay all my credit card in one payment every month for 36 months. I had received a text from XXXX XXXX XXXX to congratulate me. Days after XXXX XXXX called me to pay, so I explained that I have made a settlement with XXXX XXXX XXXX to pay my creditors. I used to call XXXX XXXX XXXXf, so a manger named XXXX told me that I had to pay XXXX XXXX. When I mentioned the agreement that we were signing to pay my creditors, so he said XXXX XXXX was not included. What about the text that I have received from you to congratulate me? I said. That was a mistake. He said. 
After minutes of disputes, and he said the {$280.00} we will be paid. Before removing the XXXX XXXX, so the bill was XXXX dollars a month. After removing the XXXX XXXX, the bill was come down to {$240.00} a month. I had spoken to them about my regular bills were not high like that, so they used to put the bill down to {$200.00} every month. I received a forgiveness of {$3000.00} from {$6000.00} from XXXX XXXX XXXX which asked me to pay {$150.00} a month until I finish to pay the {$3000.00}. Instead, XXXX XXXX XXXX asked me to pay {$260.00} every month. Instead of the {$150.00} for XXXX XXXX XXXX, so they charged {$150.00}. 
XXXXXXXX XXXX  had forgiven, too. Meanwhile, I paid {$570.00} in one payment to the XXXXXXXX XXXX, but XXXX XXXX  XXXX still continued charging me {$260.00} plus changes every month. 
The XXXX XXXX which is been the third creditor that I have been had, took me to court. XXXX XXXX XXXXXXXX made me pay {$60.00} about for advice. I thought they would company me to court, it was the contrary. They blamed me because I did not deny the debt. 
This is XXXX XXXX XXXX information : My Account # XXXX XXXX XXXX XXXX  contacts : XXXX XXXX Legal Department : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX My settlement should have been done in XX/XX/XXXX, so in XX/XX/XXXXXXXX XXXX XXXX has asked me to sign a new document in a text through my cell phone to give it access to pay the XXXX XXXX XXXX After signing, so the customer representative asked me to wait. She released another page to ask me pay to the XXXXXXXX XXXX until XX/XX/XXXX. I was mailing and emailing to XXXX XXXX XXXXXXXX to give me explanation about the money that I paid every month for the XXXX XXXX. It never replies, only emailed and mailed me to sign another agreement to pay the XXXXXXXX XXXX from my pockets. Furthermore, I had sent two letters to the XXXX XXXX to explain how long I started paying XXXX XXXX XXXX for it, including the explanations letter that I sent to XXXX XXXX XXXX XXXX XXXX XXXX  sent the package to the address that I sued to ship the certified mail that mailed to it. On the other hand, I have not been received any response from the XXXXXXXX XXXX 
In XX/XX/XXXX, the financial company named XXXX which has been redrew money from my account for XXXX XXXX XXXXXXXX, sent me an email through the customer support. This is the ticket # XXXX. 
On the XXXX of XXXX, XXXX, I sent a reminders email to XXXX XXXX XXXX, so only dont lose my settlement. 
I have received an Auto-Reply of my email on the XXXX of XXXX, XXXX, and said : Great News! Your email has been received! 


Rent Issue : Late Rent Payment due to Work Injury : Court proceedings and challenges with payment processing. 
Unexplained returned payments and lack of response from XXXX XXXX XXXX. 

2 ) We had been lived at XXXX XXXX XXXX XXXX, Florida XXXX in a single family house rented from XXXX XXXX XXXX in XX/XX/XXXX. We were paying our bill on time and sometime before due dates. In XX/XX/XXXX, I got hurt at work. In XX/XX/XXXX, we were late with our payment. The XXXX XXXX XXXX has taken legal action against us. It meant me, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX who were signed the lease. Meanwhile, we wrote a letter to the XXXX XXXX and the Lawyer of the XXXX XXXX XXXX according to the Judges order, to explain why we did not pay the rent on time. We did it. We promised to the Clerk to pay XXXX and XXXX together. We should had received a check at the end of XX/XX/XXXX. When we were noticed that the check was late, so we have used to sending a letter to the plaintiffs Lawyer and promised to pay the next month, too. Which was XXXX. The check was processed by mail on the XXXX of XXXX, XXXX. Six days after, we went to court to pay. The Clerk Register at the window XXXX said, so he should have received permission from the Judge first before the calculation. The same day Which was XX/XX/XXXX. We mailed the letter to the court through the XXXX. 
Unfortunately, court has made the last decision on XX/XX/XXXX, without receiving any response about the permission. In the next day after receiving the letter, we went to court with a motions letter, to request to the Judges permission to pay. The same Clerk Registry at the window XXXX, asked us to request a motion to the Judge. This is the motions letter! We said. He called to the Judge about the motions letter. The Judge has spoken to us about the three due months. We said yes. We had them. She said just a moment! Let me call to the Lawyer of the Plaintiff. The Lawyer said if they have had the three due months, so let them pay. The Judge has reported that to us. They did not receive debit card. We went from 1 mile and haft to the bank, and redrew the money, so we have been paid after the Clerk calculations. The Clerk Registry gave us a copy of the calculations receipts and a copy of the payment. 
Note : During the trail, the Manager of XXXX whos named XXXX XXXX, called us through this number : XXXX about our hardship to pay. After the trail, she called back again to inform us that she will be sent a paper to sign for court fees and late charged. We had asked whether she did not take us to court and did she not hire a Lawyer for the trail. Why did she dare to call us after Judges decisions? Meanwhile, she got a Lawyer? You should have shown respect for the court and your Lawyer. What we said. She has hung up the phone without any excuse. 
On the XXXX of XXXX, XXXX, I, XXXX XXXX XXXX went to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX with two money order of {$1500.00} from the Post Office in XXXX XXXX XXXX, FL XXXX for the month of XXXX. I have received a receipt from XXXX XXXX XXXX for the month of XXXX. XXXX or 15 days later, so we received the payment back from XXXX XXXX XXXX. We have used multiple ways from XX/XX/XXXX to requesting explanations from XXXX, but we did not receive any response. We have been sent a copy of the letter attached to this document. 
We had used these contact to communicate with the XXXX XXXX XXXX : XXXX XXXX XXXX XXXX In conclusion, we used to send a letter to request permission from the Judge to allow to the Clerk Registry received the money for XXXX At the same time, we went to court to figure out what to do with the returned payment, the secretary of the Judge asked us to give the copy of the letter to the window 8. By the time that we were waiting for Judges decisions. Unfortunately, on the XXXX XXXX XXXXXXXX, XXXX, surprisingly, we were evicted. Moreover, XXXX has been sent us to credit bureau. Consequently, those three things have been affected my credit including XXXX XXXX XXXX. 
We kindly request your assistance in investigating the identity theft and updating my credit report accordingly. Please advise on the necessary steps to rectify these credit-related issues. 
Thank you for your prompt attention to this matter. We appreciate your support in resolving these issues. 
Sincerely, XXXX XXXX XXXX XXXX