Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On   XXXX   XXXX   XXXX    , after sending certified dispute letters, filing online and several calls, I spoke with a agent at Equifax  (   XXXX  in Nevada  )  she was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department (  XXXX  ) I informed her of the previous disputes out the Bankruptcy (  XXXX  ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that,  XXXX  is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of  XXXX  and was told it may take up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday,  XXXX   XXXX , I received  XXXX  so called updated credit report dated   XXXX   XXXX   XXXX    . The first, (  XXXX  ) stating that the inquiries, I did n't consent to, Best Buy ;  XXXX  ;  XXXX   XXXX  Bank ;  XXXX   XXXX   XXXX  CO ; and  XXXX  from Equifax Mortgage are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, (  XXXX  ) stated that the above inquiries as well as  XXXX   XXXX  ;  XXXX  from   XXXX   XXXX   ;   XXXX   XXXX    XXXX   XXXX   have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of  XXXX   XXXX ,   XXXX  , verified through  XXXX  and will remain. The third only stated that inquiries are to remain for   XXXX   years if with the fraud alert and security freeze. I filed a complaint on  XXXX ,  XXXX  with the cfpb and the  XXXX . Called on Equifax back on  XXXX   XXXX  (  XXXX   )  an agent (  XXXX  ) answered and only asked me to verify the last  XXXX  of my social security number. I asked for the fraud department and was transferred to an agent  (   XXXX   ) w ho also only asked for me to verify my last  XXXX  when I refused and asked for her supervisor, she hung up. I returned the call and agent (  XXXX   )  asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent (  XXXX  ). I began telling him what happened and he placed me on hold for  XXXX  minutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts.      XXXX   XXXX   XXXX ,   XXXX   at  XXXX  pm CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at  XXXX  and I immediately asked for a US agent in the fraud department as he was reading my information he transferred me after holding for  XXXX  minutes to agent (  XXXX   )  she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated Equifax  Credit Information Services , Inc  is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent Equifax several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the  US  Bankruptcy Courts and I was told a court clerk ( Mrs.  XXXX  ), that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor  XXXX  answered call at  XXXX  pm and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on   XXXX   XXXX   is still processing because they did n't start the dispute until   XXXX   XXXX  . I informed of the  XXXX  letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a  XXXX  party called  XXXX  did verify it when Equifax called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from  XXXX  as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At  XXXX , A supervisor (  XXXX  ) came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from  XXXX   XXXX  is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number (  XXXX  ) to check back with.     This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all  XXXX  credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all  XXXX  have violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.

Company response to consumer: Closed with explanation