Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently been disputing accounts on my consumer credit report furnished by Equifax. I have informed Equifax that I am not aware of the opening of XXXX XXXX account on my report. I have also informed Equifax that my information was stolen in the XXXX  data breach which what the same year this account was opened. Now after hearing the news of Equifax violating others consumers just like me I have become gravely concerned about the ability of Equifax to continue to report data accurately and completely. I have sent numerous disputes to Equifax over erroneous accounts on my report. When Equifax responds through mail to my disputed accounts they simply send reports stating what has been verified with no description of the procedures they used to verify the account. When I call into the call center I am presented with representatives that do not know the laws of the FCRA. I am left to explain my dispute orally to an agent of Equifax that clearly places Equifax company policy over federal law. Pursuant to 15 USC 1681i ( 7 ) A consumer reporting agency SHALL provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. OnXX/XX/XXXX I mailed into Equifax the attached file/letter requesting my rights pursuant 15 USC 1681i ( 7 ) The 15 days required by law have come and gone. In turn I send out another request for the description of reinvestigation procedures which was also ignored by Equifax. I was then forced to file an identity theft report on the accounts reported by Equifax that I did not initiate. On XX/XX/XXXXI filed an Identity theft report FTC Report Number XXXX claiming the account XXXX XXXX to be the result of identity theft. Bear in mind that pursuant to 15 USC 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- I have sent in all proper identification through my CFPB compliant ( XXXX ), I have mailed in those same documents through certified mail return address and I have contacted Equifax orally through phone. I spoke to a representative of Equifax named XXXX # XXXX today XX/XX/XXXX and was told that they never received my identity theft reports and they verify accounts based on information matching, they do not actually do a investigation or a reinvestigation, they just check to see if the information matches mines. This is a complete violation and mocking of the FCRA. So Equifax willfully admits violating the rights of consumers. They way my disputes have been handled is clear and plain to see. Why have my requests been ignored? This is basically just another case of Equifaxs disregard for consumers,

Company response to consumer: Closed with explanation