Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
: THIS IS NOT A DUPLICATE DISPUTE : UPON CONTACTING EQUIFAX I WAS TOLD A NEW CFPB COMPLAINT IS REQUIRED SINCE THE OTHERS ARE CLOSED. NEW FTC COMPLAINT & AFFIDAVIT BEING SUBMITTED. 

Equifax XXXX XXXX XXXX XXXX, Georgia XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX FTC Reference : # XXXX CFPB Case Number : ( Pending Submission ) -- - Re : Request for Removal of Fraudulent Accounts and Inquiries Dear Equifax, I am contacting you regarding fraudulent accounts and inquiries that have been reported on my credit file without my consent. Please note that the collection company involved illegally obtained my personal information, and I do not authorize them to report any details or contact me regarding this matter. 

Enclosed, you will find the following documents for review and action : 1. Affidavit : Certifying that the accounts and inquiries in question are fraudulent.

2. Identity Theft Report : Filed with the appropriate authorities, listing the fraudulent accounts and inquiries in compliance with requirements for removing incorrect information.

3. CFPB Filings : Documenting additional steps I have taken.

4. Statement Letter : Explaining my position and requesting the removal of fraudulent items.

5. Identification : Including a copy of my ID and Social Security details for verification.

-- - Incident Summary While disputing inaccuracies, I was informed that Equifax allegedly prioritizes creditor claims, even in cases of fraud. Despite filing an FTC complaint and submitting all required identity theft documentation, no corrective action has been taken. Alarmingly, after mailing sensitive information to Equifax, my credit report was altered with new inaccuracies. 

The accounts and inquiries in question include : 1. XXXX XXXX : Account Number : XXXX Amount : {$5500.00} / {$8900.00} Date : XX/XX/XXXX Type : Personal Card 2. XXXX XXXX : Account Number : XXXX Amount : {$5000.00} / {$7500.00} Date : XX/XX/XXXX Type : Business Card XXXX. XXXX XXXXXXXX XXXX : Account Number : XXXX Type : Repossession Original Loan Amount : {$15000.00} Balance Due : {$2100.00} Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX ( Collections ) : Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$11000.00} XXXXXXXX XXXX XXXXXXXX has illegally obtained my personal information without my knowledge or consent, in clear violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This unlawful action is both unacceptable and a direct breach of my rights. This must be " Deleted '' immediately. 




Additionally, my address has been updated to : XXXX XXXX XXXX XXXX, XXXX, KS XXXX. 

Please remove the outdated address ( XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) from your records. 


-- - Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Blocking information resulting from identity theft.

15 U.S.C. 1681s-2 : Prohibition of reporting information with knowledge of errors. 


I formally request the immediate removal of these fraudulent accounts and inquiries from my credit report AND FOR THESE CREDITORS TO BE BLOCKED FROM ACCESSING MY CREDIT REPORT IN THE FUTURE. 


-- - Consumer Precedents & Equifax Legal History Equifax has faced multiple lawsuits for similar violations : 1. FTC Settlement ( XXXX ) : {$700.00} million for failing to protect consumer data. 


XXXX. XXXX XXXX v. Equifax ( XXXX ) : {$18.00} XXXX for improper debt reporting. 


XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX ) : {$3.00} million for mishandling disputes. 



These examples underscore the importance of addressing my request promptly to avoid further legal action. 


-- - Complaints Filed A XXXX  complaint has also been submitted regarding XXXX XXXX accounts XXXX and XXXX. 

I urge Equifax to fulfill its legal obligations and remove the disputed accounts and inquiries without delay. If corrective action is not taken within the required timeframe, I will escalate this matter through further regulatory channels. 


-- - Sincerely, XXXX XXXX XXXX XXXX XXXX Place XXXX, KS XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation