Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I have submitted all my fraud affidavits and official forms and documents from the U.S government showing my personal information was stolen so that anyone can impersonate me and use my information for numerous of reason. This company still have a bankruptcy showing on my file from XX/XX/XXXX and XX/XX/XXXX which i clearly told them are not mine and I included that in my first complaint along with my FTC fraud affidavits that are notarized and signed by law enforcement in front of witnesses so that should tell you all you need to know. I have attached a copy of my FTC affidavit one more time so that this company can finally block these XXXX public records permanently off my file as it states in the FCRA laws that all fraudulent information should be blocked within 5 business days. I 'm in the process of getting a mortgage for my family and this is hindering the process especially with all the identity theft i have been through i just want to finally live a normal life or try to get back to it. I called and requested a supervisor in the fraud department and they told me someone would call me back in 24 hours and i never got a call. These people do n't care about anyone but themselves but I have a family to support and feed and my credit is a very major priority to doing that and keeping my good job. So I asked for the last time to please remove the US bankruptcy from XX/XX/XXXX and XX/XX/XXXX from my file permanently they are not mine and is due to fraud and identity theft. If the company does n't comply with FCRA Section 605b which states. ( a ) Block. 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. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. 
( 3 ) 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 I asked the CFPB take civil action.