Consumer complaint received 2019-06-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
This is in relation to correspondence that occurred on XX/XX/2019 between the times of XXXX and XXXX PST. the names of all those involved include but are not limited to XXXX, XXXX, XXXX and XXXX. 

The main cause for complaint is that my social security number has been falsely flagged as being fraudulent by Equifax despite me providing them and XXXX with my e-signed lease agreement, my most recent bank statement from XX/XX/XXXX and a residential letter from XXXX. I have also provided them and XXXX  with images of my driver 's license and social security card. Equifax have refused to remove the fraudulent flag from my social security card. XXXX so far have taken XXXX twice from my account for services that were refused to me despite them flagging the transactions as fraudulent. I believe all of this has likely damaged my credit score or at least, not helped it when it should have been straightforward. 

I have two orders that have reflected on my bank account as a result of a fraudulent fraud department and opportunistic sales department at equifax and XXXX. One of them being : order number XXXX, location number : XXXX. The other having location number XXXX and order number XXXX. I called their customer care number, I gave the first person my social security number in order for him to pull up my account, he then said he needed the last six digits of my social security number to verify my account after he had pulled it up using it, this still was not good enough, he then routed me to fraud, fraud then routed me back to another person. In customer care called XXXX, XXXX was completely useless, he did not help me, instead, he had the order that had been approved flagged for fraud as well. All I wanted was a refund on order with location number XXXX. I had already received a confirmation email stating that order number XXXX had been shipped, instead of helping the situation, XXXX exacerbated it with his lack of common sense. I feel extremely upset by my interactions with XXXX staff at fraud detection, it does not seem like they are detecting fraud at all, it seems like they are just targeting people, I being one of the people. XXXX blatantly lied to me by saying that if I went into the XXXX store that day I would be able to get a phone but I had already gone into the XXXX store and I wasn't able to get the phone, I called up XXXX in the store and XXXX  wouldn't remove the false flag. I feel embarrassed by you equifax as someone who worked in customer service myself in the XXXX, it did not need to reach this point to where I am sending my fifth complaint with no response. 

Since then I have not been able to verify my identity with any other service provider due to my social security number being falsely flagged as being fraudulent by what I believe to be incompetent customer service. This has likely damaged my credit score. I have called equifax numerous times trying to solve this issue but I have been told that my whole social security number has been flagged as fraudulent. I have spent >11 hours trying to sort this out, this is time that I was not paid for and I had to take off work.

Company response to consumer: Closed with non-monetary relief