Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked at my credit report back on XX/XX/XXXX and I noticed some things are incomplete and not accurate, And according to FCRA Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Date opened XX/XX/XXXX Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is not complete and not accurate XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence ..I deem this account as being fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$820.00} Date opened XX/XX/XXXX It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 





On ( XX/XX/XXXX ). I filed a police report, requested a fraud alerts, and contacted the federal trade commission of fraud on my credit report. I also contacted ( Equifax ) through certified mail and the cfpb ( consumer financial protection bureau. There are still fraudulent accounts being reported to my credit XXXX. I have hired a consumer attorney because ( Equifax ) refuses to remove fraudulent accounts, fraudulent addresses and fraudulent inquiries from my credit report. I am taking my claims to litigation against ( Equifax ) for negligence and continuing to report false inaccurate information on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate opened XX/XX/XXXX I have filed a report with the Federal Trade Commission XXXX which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 

XXXX XXXX A Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX. 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 four ( 4 ) business days after the date of receipt by such agency of...

1. Appropriate proof of 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 relating to transaction by the consumer.

Company response to consumer: Closed with explanation