Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request an immediate resolution to the ongoing identity theft issues affecting my credit report. For eighteen years, I have diligently worked with credit bureaus to correct the persistent errors on my report, yet these issues remain unresolved, significantly harming my familys financial stability and well-being. The inaccuracies are preventing me from securing essential services, such as an auto loan, and continue to hinder my ability to move forward. 

I purchased Equifax Identity Protection years ago, which included 100 % identity theft restoration services. I was involved in two Equifax identity theft breaches, yet I only received {$43.00} on XX/XX/XXXX as compensation for the severe harm done. These issues should have been covered under the identity theft insurance, which costs {$19.00} per month or {$190.00} per year ( plus tax ). I find it concerning that despite my ongoing efforts, identity theft issues stemming from stolen events have not been rectified. Unfortunately, I am still facing identity theft and stolen event issues on my credit report, which have become significant barriers to living life. In addition, as part of the data breach settlement, I should have received free 100 % full restoration services. 

I continue to grapple with unresolved identity theft issues, compounded by discriminatory practices within the system. I have experienced cyberattacks from fraudsters, scammers, and hackers, who remotely accessed my children 's gaming systems and laptops, cyberbullying my children, mocking and harassing them on sensitive topics. In the case of FTC v. XXXXXXXX XXXX, we received {$140.00} USD for years of harm. The escalation of identity theft issues has impacted my daily transactions and my ability to obtain new credit, resulting in declined applications due to an incomplete credit file. I have been trying to move forward to a better area for my family as well however creditors have told me to fix the identity theft issues and reapply later for loans. I have also encountered false reporting through credit, ACH, and other financial channels, with predators using systems for retaliation, targeting and manipulation through transactions. This has evolved into a new form of XXXX, abusing legal, financial, telecommunications, broadcasting, medical, and technological systems - resources meant for safety and fairness turned into tools for malicious purposes. 

Additionally, my vehicle was vandalized on XX/XX/XXXX, and since then, I have been unable to secure approval for an auto loan. A XXXX Ive been waiting for four years was also canceled by hate-driven individuals, violating VA policy . My family 's health, well-being, and happiness are of utmost importance, and these actions are not acceptable. These credit issues need to be resolved as soon as possible, as my family has been suffering from this situation for far too long. I request that you consider the impact this has had and work to address this matter promptly. 

Furthermore, an emergency ambulatory medical collection was placed on my credit report after my family was targeted and assaulted in a hate-driven vehicle-ramming incident outside a XXXX in XXXXXXXX XXXX XXXX XXXX ( Case XXXX XXXX and XXXX ). The dangerous XXXX  driver was able to avoid jail time ( RICO ), despite violating 18 U.S. Code Section 1389 against honorable veterans dependents. One thing that one should never, do is harm my children or try and harm my family. Years earlier, a male driver attempted to hit me with a vehicle off XXXX XXXX XXXXXXXX XXXX XXXX, in a broad daylight vehicular ramming attempt while I was retrieving my USPS mail . The male driver attempted twice, and I saw a XXXXXXXX XXXX directing him across the street, parked at the bank. I also received a strange chain letter ( attached ) and a racketeering address fraud letter, which I reported to the USPS XXXX. 

The identity theft escalated when my purse was stolen at a XXXX XXXX XXXX in New York, which contributed significantly to my ongoing identity theft issues. My purse contained all my credit cards, checks, student and military IDs, a GOES pass, and more. Males exited a large XXXXXXXX XXXX broke into my vehicle, and drove off. One of them used my XXXX  card to purchase cigarettes and an expensive watch. I reported the theft of my GOES pass to DHS and filed with IC3. However, these actions, which should have resolved my identity theft years ago, have been really harmful from XXXX to the present. My family has been severely harmed by XXXX  campaigns, vandalism to real estate, automated clearing house false reporting, and attacks on my retail transactions ( e.g., XXXX and XXXX XXXX retail equation ). Ive filed numerous FTC complaints, but dangerous individuals continue to send me unwanted, threatening and illegal solicitations. 

I have been sent highly triggering, disturbing racketeering emails ( over 1500 received ), violating the Can-Spam Act, and I have filed over 100 FCC complaints with no resolution. Ive received racketeering emails from XXXX XXXX and other hotels, and impersonators have used my information on platforms like XXXX and a XXXX company called XXXX. Ive even received threatening marketing about death, wills, and life insurance policies that I never applied for, and someone attempted to rent an XXXX apartment in my name. Ive also faced HIPAA violations at Veteran Affairs, where individuals accessed my medical records, and I reported this to the OIG at VA. 

Given these circumstances and my ongoing investment in identity theft insurance, I request the removal of the detrimental dark web listings, harmful blacklists, and spam/phishing lists associated with identity theft impacts on my credit report. I believe I qualify for 100 % full identity restoration, and I urge you to rectify this situation urgently. 

It is concerning that despite my diligence in protecting my identity and addressing these issues through formal channels, I continue to face barriers undermining my financial stability and overall well-being. The negative impacts of these unresolved matters extend beyond mere credit scores. Please consider the gravity of my sensitive and life-threatening situation. The compounded effects of identity theft Ive faced demand a serious approach to restoring my identity and integrity. 

I seek to have these negative marks removed and request that you share the corrected file with XXXX and XXXX to ensure these severe injustices do not continue to affect my family. Thank you for understanding the urgency and significance of my credit report. 

Re : Report # XXXX To restore my identity, I respectfully request the deletion of the following : XXXX XXXX XXXX XXXX XXXX ( was filed with taxes ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also report the following account, which is missing from my credit report : XXXX XXXX XXXXXXXX XXXX with a {$7300.00} credit limit Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Out of retaliation, 15 years of my credit history was deleted without my knowledge or consent by XXXXXXXX XXXX : XXXX XXXX  XX/XX/XXXX closed by creditor XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX closed by creditor XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX closed by creditor XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX closed by creditor XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX closed by creditor XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX closed by creditor XX/XX/XXXX XXXX XXXX XX/XX/XXXX closed by creditor XX/XX/XXXX XXXX XXXX Child Support should also have reported the {$43000.00} owed in arrears on XXXX XXXX 's credit report. 

I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief