Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft. On XX/XX/XXXX  I called Equifax and requested a freeze on my credit profile. On XX/XX/XXXX   I mailed Equifax and highlighted the identity theft accounts I did not open and provided the account numbers and origination date in my FTC identity theft report, I printed this out for them signed it and did a sworn statement in front of a notary. I included a copy of my passport, my drivers license my social security and a pay stub along with a copy of the police report reference number I filed with the XXXX police department with officer XXXX of the XXXX XXXX fraud division. I received a response in the mail from them XX/XX/XXXX  They first said that i am missing either essential personal identifying information or specific account information that would let them verify the account. In my FTC identity theft reported i clearly outlined the accounts they were reporting that were fraudulent, I got the opening date and account numbers directly from XXXX website. I feel as though this is just a stall letter from them to discourage me from resolving this identity theft mess I am in. They also said in accordance with section 605B of the FCRA they determined that my request for identity theft removal had either 1. been made in error 2XXXX is a misrepresentation of material fact 3. obtained possession of goods or services. I am attaching all previous correspondence with Equifax including my certificated mail receipts, FTC identity theft report and my correspondence via mail with them. 

This is seriously damaging and effecting many things in my life. Im attempting to get this resolved with Equifax one last time via the Consumer Financial Protection Bureau. Their response was very upsetting as the fraudulent accounts they are reporting of me are destroying my life financially and they havent taken the time or consideration to resolve anything. Ive given them the chance to work with me and resolve this, Ive spent many hours days and weeks with them trying to get this resolved but absolutely nothing has been resolved or even attempted to be. they dont seem to care if they are reporting fraudulent accounts on my credit report under my name, nor the impact it has on my life This is my last attempt to resolve this via the CFPB otherwise I will be suing them directly with my consumer protection attorney Ive already discussed this with. 

On top of all this Equifax leaked my social security number my phone numbers, addresses, past employers on the internet via their data breach. Its upsetting to me that XXXX refuses to help resolve this and are so quick to deny my claim because they said I am missing personal identifying documents when I already included a copy of my passport, social security card, drivers license and paystub. Its absolute insanity to me their willful neglect to resolve anything.

Company response to consumer: Closed with explanation