Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I submitted an Identytheft.gov ( EXHIBIT A ) report to Equifax in order to remove 4 fraudulent inquires from my report. Three weeks later, I received a confirmation that my " dispute '' was complete and that I would have to contact the creditors. This was after I was directed by Equifax to do the Identity Theft report. I called a supervisor in their Fraud Department named XXXX, who was very helpful and said it was an " error '' on Equifax 's part, but I would have to submit a new, written request, to have the information deleted. I did so, at his direction. 
I followed up on XX/XX/XXXX to get the status. I have attached a copy of the archived credit info from Equifax for that date of XX/XX/2021. ( EXHIBIT B ) I subscribe to their myEquifax product and check my credit EVERY DAY as I have been diligently working on improving my credit, post divorce. 
On XX/XX/2021, my credit profile with Equifax was virtually " wiped out '' and 2 Items were all that existed on my report ( EXHIBIT C ). These 2 items were OLD items that had previously been disputed and DELETED from my profile. 
I contacted a supervisor in their fraud department, once again, to find out what happened. After at least 10 calls, 8 disconnects and a lot of hold time, I was told it was their error and it would be corrected. 
On XX/XX/2021 I was aghast to see a credit report that not only had my current ( reflected from the past 15 months ) credit info, but accounts that had previously been disputed and DELETED from my profile ( EXHIBIT D ). 
After another 7 day 's of phone calls, continuously from morning till evening, I finally got the attention of someone who would assist. She was able to see the issue and informed me that Equifax had " merged '' old report data with my current credit report. 
We went over the items " line by line '' to identify the correct Information and have the outdated and previously deleted information once again deleted.

There were 3 items of the 7 incorrect items that she could not " identify '' and offered no explanation as to why she couldn't find information. I asked her to review my archived credit reports for the past year plus to verify that these items HAVE NOT BEEN THERE AND SHOULD NOT BE THERE. She could not access archived information. 
EFFECTIVELY, on XX/XX/2021, Equifax breached my consumer rights under the Fair Credit Reporting Act and re-inserted previously deleted items, on their own, without any contact from any creditors. This was verified by the phone agent given the " last update '' they had from the creditors. 
FURTHER, Equifax then initiated a " dispute '' WITHOUT MY AUTHORIZATION into the validity of these PREVIOUSLY DISPUTED AND PREVIOUSLY DELETED ITEMS. FURTHER VIOLATING MY CONSUMER RIGHTS. 
As a result, I have suffered irreparable harm to my credit. 
I was in the process of attempting to purchase a home, that was destroyed by this error on Equifax 's part. 
I have taken a hit to my credit score of almost 100 points in a 3 week period.

I have had my consumer rights violated with little or no concern on the part of Equifax to work with me to resolve this issue.

I have attempted to get archived credit report information from Equifax to substantiate my position only to be told that it is " not available '' I have attempted to " find '' these so called " merged accounts '' only to be told " they don't know what I'm talking about '' I have given them previous dispute resolution " confirmation numbers '' to show that these items were previously disputed and deleted, only to be told that these numbers " don't exist '' when they are directly from Equifax ( EXHIBIT E ). 
I am desperate to have this situation resolved, however, there is no capable person available to speak to. There is no PHYSICAL office to go visit. I am blocked form speaking to anyone other than the people in their call center. 
My rights have clearly been violated by Equifax according to the FCRA and the information available from the FTC. 
All I want is for my credit report to PROPERLY REFLECT THE INFORMATION THAT IT HAS BEEN REFLECTING FOR THE PAST YEAR +. 

Thank You in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation