Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I purchased XXXX XXXX XXXX, XXXX and Equifax XXXX XXXX XXXX XXXX which comes with 100 % full identity theft restoration services. Yet unfortunately, I've still been hampered by negative marks on my credit report, which have become significant barriers to moving forward. I have been paying for identity theft insurance since XXXX, yet I have not received the restorative services as negative marks are still appearing on my credit report. The negative accounts with XXXX, XXXX and Equifax are covered under the identity theft insurance - I pay $ XXXX month. Despite this, I find myself grappling with unresolved identity theft issues, compounded by discriminatory practices within the system. I filed CFPB complaints which have gone unanswered which requested XXXX XXXX XXXX to stop the retaliatory, illegal, unauthorized data brokering and setups. I wrote a grievance with CFPB which requested they not intentionally block my identity theft claim for the removal of detrimental marks on my credit report. In addition, an emergency ambulatory medical collection was put on my credit report, after my family was targeted and assaulted after leaving a XXXX ; and the driver was able to avoid jail time ( XXXX ) after violating XXXX XXXX XXXX XXXX XXXX on an honorable XXXX dependents. Years prior, to the injustices in XXXX XXXX XXXX, my purse was stolen at a deceptive XXXX XXXX XXXX which contributed to identity theft issues. - all of my credit cards, checks, identification, GOES pass, everything was in my purse which was under the passenger side seat of my Hybrid SUV - males got out of a XXXX large SUV, broke into my vehicle and drove off. Prior to the XXXX New York XXXX invite, I was sent a random invite to a timeshare event, I went but declined to move forward ; which is my right in a free country. Unfortunately, dangerous individuals and groups with harmful agendas have obsessively targeted and harmed my XXXX, female Veteran household over the years. Despite investing in identity theft insurance and considering myself a victim of organized systematic abuses & torts, and defending against years of illegal fair game organized collective systematic, unAmerican elaborate operations, housing discrimination, obsessive interstate and local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX household - my identity theft claim which I qualify was not approved. Given these circumstances and my ongoing investment in identity theft insurance, I am requesting a thorough review of my claim and the removal of the detrimental marks from my credit report. I believe I over qualify for restoration, and I request for your urgent attention to rectify this situation. It is concerning that, despite my diligence in protecting my identity and my commitment to addressing these issues through formal channels, I continue to face barriers that undermine my financial stability and overall well-being. The negative impacts of these unresolved matters extend beyond mere credit scores ; and request you to consider the gravity of my situation. The compounded effects of identity theft, coupled with the systemic challenges I have faced over the years, demand not just a review of my claim but a serious approach to restoring my identity and integrity. I seek not only to have these negative marks removed/deleted but also to ensure that such injustices do not continue to affect my family in the future. I appreciate your attention to this matter and look forward to your prompt response. Thank you for understanding the urgency and significance of my identity theft credit report CFPB : XXXX complaint. 

I am a victim of identity theft. The following negative inaccuracies should not be appearing on my credit report : - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - don't know what this is for - XXXX XXXX - XXXX - Portfolio Recovery Over the years I have received bills for items I did not buy, accounts I dont recognize and XXXX XXXX at Veteran Affairs I did not use Charges on credit cards and XXXX XXXX XXXXXXXX that I dont believe were mine I received notifications that Identity theft compromised accounts have been turned over to a collections agency. 
Unexplained withdrawals from my XXXX bank account - now closed I stopped receiving bills and other mail - for XXXX years, chain letters and I filed numerous XXXX XXXX complaints I have also been denied credit because of the fraudsters actions My vehicle was vandalized XX/XX/XXXX - my family needs transportation and have been stuck, never left the housing development. While everyone else has been enjoying their life, traveling and making memories- my family has been suffering with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation