Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I XXXX XXXX am a victim of identity theft. I started this process XX/XX/XXXX and the fraudulent accounts and inquires continue to report to my credit. This has to stop! I have mailed a copy of my police report as well as a copy of my credit report certified mail with all fraudulent accounts and inquiries circled to XXXX, Equifax and XXXX. I have sought out legal council because due to FCRA by laws and regulations all the fraudulent accounts were supposed to be block 4 days after I notified the credit bureaus. Its been a year and nothing has happen. I have opted out of arbitrations and plan on taking full legal action against XXXX, Equifax and XXXX. 

Here below are a list of fraudulent accounts and inquiries per bureau : XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX/XXXX   XXXX XX/XX/XXXX $ XXXX {$1500.00} 08 XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX   XXXX XX/XX/XXXX {$0.00} XXXX  Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX/XXXX XXXX XXXX XX/XX/XXXX $ XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$38.00} XXXX XXXX XX/XX/XXXX {$72.00} XXXX XXXX   XXXX XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$1300.00} EXQUIFAX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX/XXXX   XXXX XX/XX/XXXX XXXX   XXXX/XXXX XXXX XXXX XX/XX/XXXX {$0.00} " XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : Equifax, XXXX XXXX and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business  days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA. 

My Lawyer ( XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ) And I plan on taking full legal action against XX/XX/XXXX, Equifax and XX/XX/XXXX it the fraudent accounts and inquiries are not removed wihin the 4 days stated in the FCRA. 

We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. And they will be personally added to our claim against the bureaus that will be filed on XX/XX/XXXX XXXX XXXX of XXXX  Director of XXXX consumer interactive serving XXXX XXXX of XXXX  Senior analyst Consumer Experiences XXXX XXXX of XXXX Senior vice president at XXXX   XXXX XXXX of XXXX Director fraud and identity management XXXX XXXX of Equifax senior vice president enterprise fraud ID theft XXXX XXXX of Equifax Chief information officer XXXX XXXX of Equifax Fraud and identity product manager XXXX XXXX Of Experian Customer service manager XXXX XXXX of XXXX  operations manager XXXX XXXX of XXXX SVP consumer Services XXXX XXXX of XXXX  CFE, CCIA compliance Fraud Investigator