Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed. 
The following elements should be removed from my consumer report 1. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibi XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
8. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
9. 15 U.S Code 1667a - Consumer lease Disclosure XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
As evidenced, you are required to provide notification within 30 days, not one day later.

As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. 
Sincerely, XXXX XXXX