Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a credit reporting agency complaint against Equifax. I have tried several times to complete an online dispute and to update my 500 character personal statement. I am entitled to submit a personal statement. Equifax identifies its limits to 500 characters whereas other CRA 's allow 100 words. I made numersous attempts to enter my desired statement, which I am entitled to have included on my credit report, the equifax system cuts it short as such : My statement at 500 characters : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5 items of adverse information. '' However, the Equifax system cuts the statement off at 415 characters and significantly changes the statement : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant info '' I want my full original 500 character personal statement to be placed in my Equifax file and for it to be provided to anyone who pulls my credit file. Item 2 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX   XXXX, XXXX, is being misreported. The balance is over-reported by more than {$3500.00}. Item 4 : XXXX XXXX XXXX, XXXX, is being misreported. The balance is over-reported by {$500.00}. Item 5 : XXXX, XXXX, is being misreported. The balance is over-reported by {$6500.00}. Item 6 : XXXX XXXX XXXX Inquiries dated XX/XX/XXXX, XX/XX/XXXX are not recognized and/or denied as factually occurring and I request strict proof and/or removal. Item 7 : XXXX XXXX   Inquiry dated XX/XX/XXXX is not recognized and/or denied as factually occurring and I request strict proof and/or removal. Item 8 : XXXX Inquiry dated XX/XX/XXXX is not recognized and/or denied as factually occurring and I request strict proof and/or removal. item 9 : XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX is not recognized and/or denied as factually occurring and I request strict proof and/or removal. Item 10 : XXXX XXXX Inquiry dated XX/XX/XXXX is not recognized and/or denied as factually occurring and I request strict proof and/or removal. Item 11 : XXXX XXXX Inquiry dated XX/XX/XXXX is not recognized and/or denied as factually occurring and I request strict proof and/or removal.

Company response to consumer: Closed with non-monetary relief