Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have spoken to XXXX different agents and sent XXXX previous letters to Equifax, via online dispute, fax and United States postal mail requesting that they remove this fraudulent bankruptcy and vehicle account from my file and they have failed to do so. These items do not belong to me and are causing me financial XXXX because of their derogatory status on my credit file. When someone is the victim of identity theft, it is simply a nightmare trying to get false and fraudulent information removed from a credit file. I have contacted all of the creditors listed on my Equifax credit file and have had all but two unauthorized accounts rectified. 
Under the Fair Credit Reporting Act FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ), 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 XXXX business days after the date of receipt by such agency. Your letters to me claim to have " verified '' the debt, but this is in fact not true under the law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course the information matches up. Someone clearly used MY information without my authorization! I have provided more than sufficient evidence to get these false accounts removed. I have sent in my filed police report and well as my identity theft affidavit. I have sent in the time stamp obtained from the bankruptcy office as well as documentation showing I was at the XXXX airport at the time, yet they chose to ignore the fact that I can not be in two places at one time. Accordingly, I can prove that these accounts were opened without my knowledge or permission and that Equifax has violated the FCRA by ignoring my request to remove these items. I have documented the dates, times and names of every individual that I have spoken to regarding this complaint. 
Between XX/XX/XXXX and XX/XX/XXXX, multiple accounts were opened in my name, using my social security number and personal information without permission from me. Most of the accounts have been removed from my credit file as they were indeed fraud accounts. There is still a XXXX XXXX XXXX account and a Chapter XXXX bankruptcy that was opened with my personal information that is reported on my credit report. Yesterday, I received a letter stating that they have removed an address, " at my request '', from my credit file that not only did I not dispute but that address has never even been on my credit report. There is also now a XXXX XXXX XXXX address listed on my credit report that they claim they verified as mine that I have never seen in my life. I take my credit very seriously and your lack of assistance is unacceptable. This ordeal has caused me financial and emotional trauma. I have been turned down for credit as well as a promotion that I was being considered for because of my Equifax credit score. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
Since no one is attempting to rectify this situation and doing any accurate research, I have been forced to do my own. I went to the bankruptcy office myself and pulled " my '' file to find out what was included. I found the time stamp from when it was filed and I was at the airport at the time. Proof of this trip is attached. Please have these items removed from my credit file. It is causing me multiple issues at my job and in my everyday life. I have lost out on a promotion and I was turned down for a home loan because of something I did not do. 
Thank you

Company response to consumer: Closed with explanation