Consumer complaint received 2024-10-23 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: LA

Complaint narrative:
Identity Theft Affidavit XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Date : XX/XX/XXXX To : XXXX XXXX Equifax , & XXXX Subject : Identity Theft Affidavit and Request for Removal of Fraudulent Information I, XXXX XXXX , hereby declare that I am a victim of identity theft. I am challenging a dispute with the FTC report regarding the fraudulent items listed below and request their immediate removal from my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Violations : 1. 15 U.S.C. 1681 Section 602 A : I have the right to privacy.

2. 15 U.S.C. 1681 Section 604 A, Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

3. 15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing adverse items of information that predate the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer if they know or have reasonable cause to believe the information is inaccurate.

Remove Non-Mailing Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX Remove Unauthorized Fraudulent Accounts : XXXX. XXXX ( Opened : XX/XX/XXXX ) - {$1300.00} XXXX. XXXX ( Opened : XX/XX/XXXX ) - {$2500.00} XXXX. XXXX ( Opened : XX/XX/XXXX ) - {$6000.00} XXXX. XXXX ( Opened : XX/XX/XXXX ) - {$1900.00} XXXX. XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$27000.00} XXXX XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$4800.00} XXXX. XXXX XXXX  ( XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$550.00} XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX ( XXXX  XXXX XXXX, XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Opened : XX/XX/XXXX ) - {$1500.00} XXXX XXXX XXXX ( XXXX, XXXX, Opened : XX/XX/XXXX ) - {$2000.00} XXXX XXXX XXXX ( XXXX XXXX, XXXX, Opened : XX/XX/XXXX ) - {$5000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$1500.00} XXXX. XXXX XXXX XXXX ( XXXX XXXX, XXXX, Opened : XX/XX/XXXX ) - {$660.00} XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$350.00} XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$410.00} XXXX. Original Creditor ( XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXXXXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$610.00} XXXX XXXX XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$0.00} XXXX XXXX XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$5000.00} Remove Unauthorized Fraudulent Inquiries : XXXX. XXXX  / XXXX Request for Updates : Update account payment dates for the following : XXXX XXXX  ( XXXX, Opened : XX/XX/XXXX, Balance : {$59000.00} ) Legal Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Sections 609 & 611. If your company fails to comply, I will be required to take legal action, including a potential small claims suit, if you do not respond satisfactorily within 30 days of receipt of this certified letter.

Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief