Consumer complaint received 2024-09-08 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: IA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Information from Credit Report Dear Equifax XXXX I am contacting you to request immediate action to block and remove fraudulent information from my credit report. This information, resulting from identity theft, has been substantiated by an FTC Identity Theft Affidavit that I have filed. It is essential that Equifax complies with the Fair Credit Reporting Act ( FCRA ) and addresses this issue urgently. 

Importance of FTC Affidavit and Immediate Action : FTC Identity Theft Affidavit : I have submitted an FTC Identity Theft Affidavit ( FTC Identity Theft Criminal Complaint # XXXX ) to confirm that the entries in question are fraudulent and a result of identity theft. This affidavit is a critical document that validates the fraudulent nature of these accounts and necessitates their immediate removal from my credit report. 

FCRA Compliance : As per the FCRA, Equifax is required to block fraudulent information from my credit report within 4 business days of receiving an identity theft report. I urge you to expedite this process to comply with the law and safeguard my credit.

Legal Requirements and Urgency : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking of fraudulent information within 4 business days. Please ensure that all fraudulent accounts, collections, and inquiries are removed promptly.

FCRA 611 ( 15 U.S.C. 1681i ) : Mandates that disputed information must be deleted if it can not be verified within 30 days. Investigate and resolve these disputes promptly.

FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Ensures that unverifiable information is deleted and does not reappear on the credit report. This is crucial to prevent further damage to my credit.

FCRA 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ) : Provides for civil liability for willful and negligent non-compliance, stressing the importance of timely and accurate action. 

Fraudulent Entries to be Blocked : Personal Credit Card with XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX Account Number : XXXX Personal Credit Card with XXXX Bank Opened On : XX/XX/XXXX Account Number : XXXX These fraudulent accounts have also led to several unauthorized hard inquiries and collections entries on my credit report. 

Supporting Documentation : FTC Identity Theft Affidavit : FTC Identity Theft Criminal Complaint # XXXX XXXX Credit Report : Showing the fraudulent entries, inquiries, and collections Demands for Relief : Immediate Block of Fraudulent Entries : Block all fraudulent accounts, collections, and inquiries from my credit report within 4 business days. Given the urgency, I request that you expedite this process to uphold consumer rights and prevent further harm.

Verification Details : If any of these accounts are verified, provide detailed verification information as required under FCRA 611 ( 15 U.S.C. 1681i ) within 30 days, including the contact information for the data furnisher.

Deletion if Verification Fails : If you are unable to verify the information, delete it from my credit report within 30 days and ensure it does not reappear, as mandated by FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Prohibition Against Reappearance : Ensure that these fraudulent entries are permanently removed and do not reappear on my credit report. 

Please send all written confirmation and documentation to my email address : XXXX. 

Thank you for your immediate attention to this matter. I trust that Equifax will act promptly to resolve these issues in accordance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation