Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint narrative:
I have a long time victim of fraud and identity theft with police reports confirmation and confirmation from some organizations that I have been a victim of with people who stole my information opened credit cards accounts in my name and phone accounts which I reported to the credit bureaus which open fraudulent accounts without my consent by ignoring the fraud alert on my credit file and banks having credit cards under my name which I reported to the credit bureaus to remove but they refused and asking me to bring the police report which these organizations refuse to respect due to my race and XXXX with lack of protection I contacted the banks to give me the credit cards appearing on my credit file they refused and asked me to contact the credit bureaus so i I have been given a run around with various complaints filed and police reports which have been ignored I contacted the phone companies when I discovered someone else using my information and credit while I was making a payment and asked me agent to call the credit card office when I was there she refused to show that I am not protected I contacted the phone companies after people left messages on my phone of goods that I ordered online and the agent told me that was my problem and they have nothing to do with that so I investigated and found the store which confirmed their customer to be ordering products using my phone number and I asked to know the person they refused protecting the criminals but they asked me for my contact information which I provided until today they never contacted me so I reported the store to the phone company asking it to provide me the official letter stating that I was the sole and legitimate owner of the phone number they refused but instead they reported my name to the credit bureaus forcing me to pay for the phone number which criminals are using making me to pay. I contacted the banks informing them why criminals open accounts without alerting me they failed to explain. I have been ignored and reported to be the defaulted for fraudulent transactions and accounts due to my race even after providing the police reports. I contacted the credit cards informing them about incidents but they were busy asking me to contact the insurance company to pay for fraudulent transactions which criminals impersonate my identity and personal information I have requested the return of my insurance payment protection that I have been paying for years for the credit cards but instead reported me to credit bureaus as owning money which is very unfair and unethical by these organizations treating me unfairly but violating the laws on the protection of consumers victims of fraud and identity theft. They spoiled my credit in bad faith making it hard for me to get credit facilities because of their unfair and illegal conducts which shows XXXX discrimination and bias in the delivery of services and protection of customers victim of fraud and identity theft due to my race and XXXX forgetting that anyone can be a victim or target of cybercriminals

Company response to consumer: Closed with explanation