Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
Prior responses from XXXX are frivolous and completely unacceptable. It has prompted me to continue to file federal complaints with your agency but not limited to the State Attorney General 's Office for enforcement. CFPB has failed miserably in its effort to adequately in its due diligence to protect the consumer from fraudulent practices of the companies that are reporting to the CRAs errors and failing to provide Request for Validation of Debt to the consumer, an FCRA violation that I will pursue legally in federal court against the creditor reporting the error, the CRAs who continuously side with furnished of credit but not limited to suing the CFPB for the failure in enforcing compliance. I intend to hire an FCRA Attorney to file ALL complaints against ALL parties involved in the investigation including the CFPB which has sided with criminal companies that hurt consumers ' credit history, and credit scores ; jeopardized employment, and future opportunities for applying for new credit. A police report will be filed against ALL said parties seeking punitive and actual damages for blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once those documents were in your possession, XXXX updated XX/XX/XXXX. XXXX {$120.00} XXXX?? XXXX Account XXXX??? Account typeSecured Loan. In addition, XXXX XXXX  has reported a car repossession with a balance that does reflect the trust balances of the liquidation because there was a paid XXXX XXXX that was financed in the terms of the contract. I have contacted them to provide an itemization to no avail. ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. The fraud accounts in question are listed below. The account name is XXXX XXXX, and the account is a self-financed/led bank account number is XXXX. Account typeSecured Card Responsibility XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX? StatusAccount charged off. {$120.00} written off. {$120.00} past due as of XXXX XXXX? XXXX

Company response to consumer: Closed with explanation