Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: OR
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 am XXXX XXXX with XXXX, a XXXX XXXX. I have sent to Equifax XXXX XXXX XXXX XXXX separate requests by mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX acting under power of attorney for a consumer. The first request asked for a fraudulent account and fraudulent inquiry to be removed, an extended 7 year fraud alert be placed, and written confirmation of these actions along with an updated credit report be sent to the consumer. 
The dispute results received by the consumer showed placement of the extended alert and both items being removed, however the accompanying credit report continued to show the fraudulent inquiry XXXX XXXX XXXX 
The XXXX dispute asked again for this inquiry to be removed. The dispute results sent to the consumer stated " The information you disputes has been received. The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' and " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. '' Yet the included credit report continued to show the fraudulent inquiry XXXX on XX/XX/XXXX The third dispute was sent along with a note that continued failure to resolve the matter would result in referral to appropriate regulatory agencies. The dispute results dated XX/XX/XXXX with confirmation number XXXX said " This fraud account/inquiry has been deleted '' before going on to note that a disputed Name, Address, XXXX phone numbers, and XXXX unspecified items were not currently reporting when in fact only a single inquiry had been disputed. The included credit report again continued to show the disputed item. 
On XX/XX/XXXX I contacted Equifax by telephone and spoke to an agent advising of the situation and my desire to resolve the matter now instead of filing a complaint. The agent first told me they didn't have any paperwork which is untrue since the responded each request that had been submitted. Then he said we needed to provide FTC report and I advised the XXXX, a police report, a notarized affidavit, and appropriate identity documents were provided 3 times and I knew they were received because an extended alert can not be placed absent either a police report or an FTC report. Further the credit files would not have been mailed without the proof of identity and none of it would have been completed previously without the XXXX  being received. Then he challenged that my personal name was not on the XXXX  which is absurd as XXXX as a company is provided the power of attorney and XXXX delegate it to an employee for exercise. That's how XXXX  works. Then he claimed the item I wanted to dispute was not showing on the report despite my holding the report dated XX/XX/XXXX that clearly showed it. I advised I wanted to speak to a supervisor and was initially denied. I advised unless he was prepared to put into the mail today an updated report that demonstrated the inquiry was not listed he should get a supervisor. I was connected to a supervisor and as I was explaining all of this the call was abruptly disconnected. 
Equifax through its correspondence and its telephone representatives has demonstrated a willful violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief