Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've spoken with Equifax on several attempts to resolve the impersonation and fraudulent items that are reporting on my credit file that was not committed, obtained nor consented by me. I have explained to Equifax i am a victim of Identity Theft and that my Personal Identifying information has been used to fraud creditors without my consent. I've sent Equifax over 4 written letters with Police Reports, FTC Identity Theft Reports, Identity Theft Affidavits notarize by a notary and proof of my identity to prove my innocence of the FRAUD that has been committed against me. Equifax has not only neglected the information i've provided, but treated the outcome of this detrimental situation in an unjust matter leaving me in an injustice position to lose all i've worked hard to sustain. The lack of accountability and reassurance of justice has left me a law abiding citizen in a position that has not only jeopardize my creditability, but has force me and my family to go through traumatizing transitioning events that has left my credibility to uphold credit unworthy to withhold support. The damages the impersonation has caused has impacted me in many ways i can not define. Equifax has held me accountable for criminal acts and inaccuracy of my credit file that was committed against my own will and has yet to show any sympathy or taken in actions to resolve this matter. Every time i reach out to Equifax there telling me i need a new FTC Report listing all inquires that's related to the fraud and a police report. I've sent all new documents requested via priority mail through the USPS tracking number # XXXX to Equifax and even uploaded them online and they still refuse to remove the negative items from my report. I've done all that was requested of me i provided all corrected documentation that was requested from me. Equifax continue to ignore my concerns or this matter containing to fraud against me. Even after sending them all the documents i've had they still sent me letters stating they will not remove the Fraudulent inquires that was impersonated by someone pertaining to be me. Why haven't this been resolved? Why am i'm reaping the consequences? Why am i being held accountable? Why isn't Equifax doing there Job to protect me from this FRAUD? This is devastating!

Equifax has allowed my credit to depreciate and become damage because of there lack of concern or investigation. Equifax is in violation of 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or false. I've been ignored i've been shamed and i've been handle in an in just matter. I've reached out to the CFPB for help regarding this Twice if nothing is done i will file a lawsuit against Equifax.

Company response to consumer: Closed with explanation