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I am a victim of identity theft, and had filed a report with local police, also the FTC.  I requested Experian block a fraudulent account, and provided them with copies of the identity theft reports to support the request.  They removed the fraudulent account within a few days of doing this.  I had disputed the same fraudulent account with Equifax, and attached identity theft reports as supporting documentation.  For 3 weeks after Experian blocked the account,  the date reported on this same account was updated 4 times on Equifax.  

11/11/2016 I requested Experian remove the fraudulent account due to identity theft

11/17/2016 Experian report showed account was deleted

12/1/2016, on Equifax fraudulent account/debt showed date reported 11/23/2016
 
12/3/2016, on Equifax fraudulent account/debt showed date reported 11/02/2016
 
So the date reported went backwards. How does this happen?
 
12/04/2016, on Equifax fraudulent account/debt showed date reported 12/03/2016
 
12/07/2016, on Equifax  fraudulent account/debt showed date reported 12/06/2016
 
On 12/5/2016 I filed a complaint with CFPB against the creditor that reported the fraudulent account (which they have never responded to), and 12/7/2016 I called the creditor because I was quite angry at this point.  After the account was removed from Experian, my score had gone up 69 points, and it was obviously damaging my Equifax score significantly.  I had been denied credit due to this account specifically (denial reason said high utilization/over credit limit, and this account was reported as charge off for more than the credit limit that was reported for the account, I had no other accounts that this was relevant to).
When I called this creditor the 1st time, they could not find the account in their system, and told me to call Equifax, so I did. Equifax then told me to call the creditor, so called them again.  The creditor finally located the account, and admitted to me that they had received the police/identity theft report (Experian sent to them as a result of account being blocked) on 11/29/2016.  So this account was updated 3 times on Equifax after they apparently received the identity theft/police report, and Experian had already blocked it as of 11/17/2016.  Aside from all of this, the same creditor had  reported conflicting information for the account between EX and EQ (payment dates, number of payments), so they obviously aren't concerned about complying with the law. What I'm trying to figure out is, who is at fault? And how does date reported go backwards in one case, unless it was done manually, then corrected the very next day? It almost looks like this was done intentionally.  When the date went backwards, they corrected it on their own the next day, but I had not contacted them about it or bring to their attention. I know there are FCRA violations here, but I'm confused as to who is responsible for what.  The police report totaled 73 pages for my case, and this has been a process from hell.  I simply expected the creditors/credit bureaus to fulfill their obligations under the law, and that is really all identity theft victims have to rely on when recovering from the chaotic aftermath of this crime. Filing a police report only gives more credibility to a victim's claim, but they can't do much more than that. This is not about a lawsuit and getting paid, its about holding those accountable  to the law that is there for these very reasons.  Thank you in advance for any suggestions or advice.
Edited by Graphixbaby78

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