Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I, XXXX XXXX, hereby authorize this XXXX XXXX It is important to note that this dispute was not sent by an unauthorized third party or \ '' XXXX XXXX '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section XXXX ( a ) ( XXXX ) - XXXX XXXX to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 
FCRA Section XXXX ( a ) ( XXXX ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. 

FCRA XXXX XXXX - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation. 
FCRA Section XXXX - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to XXXX  years of imprisonment. 
FCRA XXXX XXXX ( d ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. 
FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). 
Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. 

Once again, I demand that you take immediate action to address these violations and fulfill the following requests : XXXX - XX/XX/XXXX - XXXX inquiry. - DELETE!!! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- The address listed is the result of identity theft. Under FCRA 15 U.S.C. 1681c, this inaccurate information must be removed. - Remove this address immediately per 15 U.S.C. 1681i. 



Investigate and delete it from my credit report. 
Remove all fraudulent and inaccurate accounts from my credit report. 
XXXX any information resulting from identity theft, as required by the FCRA. 
I can not stress enough the urgency of this matter. Failure to comply with my requests and resolve these violations will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act. 

I expect a prompt response and a definitive plan of action from you. Your cooperation in rectifying these issues is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation