I am currently a victim of financial fraud and Identity theft where unauthorized charges were made on all of my credit accounts and although I incorporated automatic monthly payment procedures on all of my credit accounts, culprits within the credit bureau, within my creditors, and from within my bank, misutilized my credit record, and further recorded erroneous late payments on my EQUIFAX, XXXX credit files. In addition, they attempted to hide their criminal activity by marking more than XXXX my lawful good credit accounts off as CHARGED OFF and XXXX account as a Collection. Myself and XXXX XXXX services incorporated a credit correction campaign spanning more than three years. Despite our lawful attempts to correct and remove the erroneous late charges and delinquencies from my credit files, EQUIFAX, XXXX, have continued in violation of federal law, in violation of fair pattern and practice, and in violation of my civil and constitutional rights, reporting erroneous credit information severely damaging my attempts to buy a house, a car, and to rent. I am severely devastated by their negligence. I am currently a victim in the XXXX. My Victim identification number is # XXXX. I am defamed, slandered, and suffering severe mental anguish. And even though the erroneous late payments and account statuses have been continuously in dispute, EQUIFAXXXXX, have continued to report the disputed accounts to potential creditors!!! Please help. Remove all late payments and restore all of my credit accounts to PAID AS AGREED. The status all of my credit accounts were in prior to XXXX 2013. All were PAID AS AGREED and NEVER LATE.