Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Complaint Re : Equifax During the month of XX/XX/XXXX/XX/XX/XXXX so I contacted Equifax ( hereafter referred to as EQ ) and spoke to a representative whom advised I had to send identifying documents in order to dispute and correct any information on my credit report. 
On XX/XX/XXXX I mailed via XXXX copies of State issused D/L, SS Card, Bank Statement, Ins Card, Cable Bill ( all stapled together ). ( EXIBIT # 1 ) A letter enclosed requested the following corrections to my report : 1. My name correction ( the report showed my name as XXXX XXXX ). XXXX is different name, not my name at all. The D/L, SS Card and bills I sent ; all reflect my correct name. ( XXXX XXXX XXXX ). I advised in the letter to Equifax to correct my name to reflect what is on my government issued documents. 
2. Address removals and corrections that were not my addresses. EQ was advised to include my current address and to remove about 5 erroneous address that were not mine. 
3. Removal of the XXXX XXXX ( XXXX ) collection {$210.00}. account does not belong to me. 
On or about XX/XX/XXXX, I received Equifax Dispute Results in the mail at MY NEW ADDRESS. The report is dated XX/XX/XXXX -report # XXXX. The report still showed the name as XXXX XXXX ( EQ did not make correction ) EQ further concluded in this report that my ADDRESS information was UPDATED per information I supplied. ( EXIBIT # 2 ) OMG, I could not believe this. EQ changed address, but not the name. WOW!, XXXX is a different name from XXXX. They are two totally different names, XXXX is my birth name and is reflected as such on all of my legal documents. Yet, EQ failed to correct this and instead sent an updated dispute report to me at my current address without making the most critical and sensitive corrections on my file, my name. How did EQ know to whom were they sending this report. 
On or about XX/XX/XXXX I then received a full credit report from EQ. Here again, in the name on the file still shows XXXX XXXX, now at my address for XXXX XXXX XXXX. Hmm! This really was disturbing to me. So on XX/XX/XXXX at XXXX I called EQ and spoke to a lady named XXXX. She stated that the documents I mailed on XX/XX/XXXX were received by EQ, and on or about XXXX the documents were uploaded to their system, however, the D/L was not uploaded because EQ could not read the documents or they were not clear, she stated. I advised XXXX that all copies were in color and very clear to view. You can not get any clearer than a professional copy machine from an office supply print shop ( note ; the same documents were sent to XXXX and XXXX XXXX, with no problems ). 
XXXX went on to state to me that the addresses were removed and updated per my letter, but they were not able to correct my name since they were not able to read the D/L copy I sent. And I needed resubmit all they documents once again. XXXX did advise I could fax documents to fax # XXXX, and include a cover letter again. ( Exibit # 3 ) Items faxed.I faxed all again on XX/XX/XXXX Hmm! This is quite baffling, as I can read it quit clear as can anyone else. So I was really disturbed by this. Because Identification is what is used to determine if a person is who they say they are. Not a cable bill, ect. Yet EQ changed the address before obtaining a D/L that they could confirm is me. Hmm! 

After no really being satisfied with EQ and their process in handling my file I decided to call EQ again on XX/XX/XXXX and I Spoke to a Man name XXXX ( supervisor ) .i wanted to confirm my documents were now received via fax and is my file corrected. XXXX claimed my fax was received and uploaded to EQ. he was not able to advise if they were readable. He was not able disclose the exact date the fax was received. This is truly insane. Disclosing a date you received my fax! Omg that is not top secret. He simply kept reading a script, I presumed, advising that he could not disclose any information, I would be receiving a letter in in 3-5 days. Yet not able to even tell me if they could read the Documents. This is absurd, Incompetent, and anything else you can think of. 
So now it is XX/XX/XXXX, I have received nothing. I even have a XXXX Confirmed delivery account. Nothing is even on the way to me from EQ. 
They have failed to properly process my file. Total violation. Do I have a case here? 
FINAL SUMMARY OF COMPLAINTpersonal information has been sent to EQ, not once but twice ; mail and fax. Who has possession of my personal information at EQ? What is EQ doing with my personal information? If my D/L was not clear for EQ to read, as they claim, who then made a decision to send these credit reports to me at my address? Equifax made a decision to change my address and reflect the change on the credit report on XXXX without getting a 2nd copy of my drivers license which was not faxed over until XXXX ) as requested. This could have compromised my personal identify due to EQ failing to verify my D/L that they claim they could not read. 
Why would my report be changed if my D/L was not legible? This meant EQ made address changes based upon my letter and Utility bills and bank statement? Hmmm! Since when do these papers identify a person? This is not acceptable because those documents do not prove that a person is who they say they are. It is only the government issued Identification. Bills only confirm an address to the named person. 
COMPLAINT 1. The named person on my file is not my name My Documents have been mailed and faxed. Corrected per my government issued Identification COMPLAINT 2. The addresses have been corrected. Pursuant to my request in my letter. Not my D/L, because they claim they could not read it. hm! 
COMPLAINT XXXX. XXXX XXXX collection was disputed on XX/XX/XXXX in my initial letter mailed XXXX and confirmed receive by XXXX. That account appears to belong to a XXXX XXXX, therefore, this account is not my account. EQ sen me a report in the name of XXXX XXXX and advised me that the creditor confirmed it was my account. Hmm! how is that so, my name is not XXXX XXXX, therefore, EQ has failed to effectively and unlalwfully dispute an item on my report. This dispute is not been processed in accordance with FCRA guidelines. Disputed XXXX it is over the 30 days and It is not done accurately and timely, This item is to be removed immediately

Company response to consumer: Closed with non-monetary relief