Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX I contacted Equifax about inquiries unauthorized by me. 

On XX/XX/XXXX I received an attached response from Equifax stating that the accounts were factual and would remain on my record. 


On XX/XX/XXXX I wrote again requesting how these accounts were verified. 

On XX/XX/XXXX I RECEIVED an attached letter from equifax stating that the disputed accounts XXXX  and XXXX XXXX XXXX  were not reporting on my record. 

However, AS OF XX/XX/XXXX till current these XXXX accounts remain. 

( I also complaint that I could not view my report on the Equifax website and that I have repeatedly been getting an error ) On XX/XX/XXXX I wrote Equifax again and asked that these unauthorized inquiries on my report be removed. 

However, AS OF XX/XX/XXXX per pulling my report through a 3rd party these accounts do in fact remain on my report with Equifax. 

On XX/XX/XXXX, I contacted Equifax via phone and was told that the above accounts would in fact not be removed unless I file an affidavit with the FTC. 

On XX/XX/XXXX I called Equifax in regards to not having access to view my realtime credit report on their website. The problem was verified and a escalated '' help ticket was issued and I was informed that I would have online access to my account within XXXX hrs and would receive an email link via email. 

On XX/XX/XXXX I sent a fax along with the filed FTC report and all identification documentation requested. That fax was confirmed and an attachment of the confirmation has been attached to this email On XX/XX/XXXX I called to verify that all information was received. I was verbally told that the submitted documentation was all un-legible and to resubmit the documentation via the fax number supplied. 

On XX/XX/XXXX I sent another Fax with all the required documentation and theFTC Affidavit. I received a confirmation email. 

On XX/XX/XXXX I called to verify receipt and was told again that all was legible except the FTC affidavit! I was instructed to send it again via fax. 

On XX/XX/XXXX th XXXX I resent the documentation XXXX  times via fax as well as certified mail hardcopy. 

On XX/XX/XXXX I called to confirm receipt of documentation and was told it was received. However, the removal was still denied because the agency did not recognize the format of the affidavit and for that reason alone the accounts would illegally remain on my credit report. I was advised at this time to go online and research how the FTC complaint form should look and resubmit it. 

I told the representative that the form was downloaded from my direct account with the Federal Trade Commission and that the report is final accurate and verifiable, in honorable practice I could not file repetitive complaints with the FTC about the same complaint and that they must exercise their due diligence and verify my report from the clear and legible report number, I was denied any further assistance. 


On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was contacted via email stating that my login issues were resolved and that account access had been restored. However, as of today XX/XX/XXXX I currently can not view my credit report on XXXX. Whenever I log into the online account it continuously gives me an error message and I am told to try again later. A screenshot of these emails have been added to this complaint. 

This issue was to be resolved expeditiously yet still remains. As a consumer I should have real time access to the information being reported on my behalf by this company which happens to be Equifax Information Services.

Company response to consumer: Closed with explanation