Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Refuses to block fraudulent information. Originally I was notified by Equifax they had blocked the Fraudulent Account 's listed below and had handled this matter in accordance to Law 603 ( B ) of the FCRA Which states if you are a victim of identity theft and you notify the consumer reporting agency that you are a victim of fraud, and that the accounts listed on your credit report are incorrect and fraudulent they must block these within 3 business days. Equifax advised me they had blocked these after 3 MONTHS. Instead of blocking these they moved these fraudulent accounts over to a second CREDIT FILE, and then sent me a letter stating I had a " Split '' credit file which again is illegal instead of blocking the accounts. Now they have merged these split files and readded ALL THE FRAUD back on to my credit file and changed my address to their own corporate address, clearly showing Equifax is conducting Fraudulent shady business and I want this fixed immediately. Please Block these fraudulent accounts that were not opened by me. These accounts were not authorized. I am a victim of Fraud, I want these taking care of IMMEDIATELY. These are FRAUDULENT, Opened from a Thief. With Fraudulent Addresses. You have my Drivers License Attached, my SS Card and a utility bill. Correct my address promptly, Correct my credit file and block the fraudulent accounts, don't just move these over to a second credit file. That is illegal. 

Fraudulent Accounts - XXXX XXXX XXXX Balance {$15000.00}  Not only does it show that the balance has been there since XXXX according to Equifax " Incorrect information '' The account also shows in good standing and this account is FRADULENT it says opened in XX/XX/XXXX. How can payments be there since XXXX if the account wasn't even opened then? Again in correct. 
1. XXXX XXXX - Balance {$990.00} Account # XXXX Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Balance {$9600.00} Opened on 3. XXXX XXXX XXXX - Balance {$8500.00} Opened on 4. XXXX XXXX - Balance {$8000.00} Opened on XX/XX/XXXX - Unauthorized 5. XXXX XXXX - Balance {$4000.00} Opened on -XX/XX/XXXX Unauthorized. 
6. XXXX XXXX - Balance {$8000.00} Opened on XX/XX/XXXX Unauthorized. 
7. XXXX XXXX - Balance {$490.00} Credit Limit {$500.00} Opened on XX/XX/XXXX Unauthorized 8. XXXX XXXX - Balance {$5900.00} Credit Limit {$XXXX} Opened on XX/XX/XXXX Unauthorized 9. XXXX XXXX XXXX - Opened on XX/XX/XXXX. - Fraudulent account not authorized. 
10. XXXX XXXX XXXX - Balance {$650.00} Opened on XX/XX/XXXX. This account was last paid from an account with a persons name of XXXX XXXX and the company advised me of this. The Account is fraudulent and that isn't my name. Again please block the fraud. 
11. XXXX XXXX XXXX XXXX XXXX - Balance {$1800.00} Opened on XX/XX/XXXX,  Again this account is fraudulent and was not authorized. 
12. XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Balance {$10000.00} Not only does the limit say {$25000.00} The company stated that isn't even the correct limit this account is fraudulent and they have been already made aware yet equifax is keeping it on the credit file. 
13. XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX. Balance {$XX/XX/1500} Not only does the limit say {$25000.00} The company stated that isn't even the correct limit this account is fraudulent and they have been already made aware yet equifax is keeping it on the credit file. 
Fraudulent Addresses - XXXX XXXX XXXX  XXXX, TX XXXX.

Company response to consumer: Closed with non-monetary relief