Consumer complaint received 2024-01-19 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:
I hope this letter reaches you in good health. I am writing to express my deep concern and dissatisfaction with the numerous attempts to remove fraudulent items from my credit file, maintained by Credit Bureaus. Despite my persistent efforts to address this issue, these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. 

The fraudulent items in question such as unauthorized accounts, inquiries, or personal information, and they have been erroneously reported on my credit file. I have attached copies of supporting documents to substantiate my claims and provide proof of the fraudulent nature of these entries. 

I have undertaken several steps to rectify this issue : I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. 

I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. 

I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. 

The continued presence of these fraudulent items on my credit file has severe implications for my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit file. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported fraudulent items, verifying their inaccuracy and fraudulent nature. 

Collaborate with the relevant creditors to promptly remove these fraudulent items from my credit file, restoring its accuracy and integrity. 

Provide me with written confirmation of the removal of these fraudulent items within the specified timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of fraudulent entries on my credit file, ensuring the protection of my credit information. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter withinthe specified timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation