Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Consumer Financial Protection Bureau XXXX XXXX. XXXX  XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX # XXXX ( REINSERT TRADELINE ) Dear Credit Bureau Representative : Creditor : XXXX XXXX XXXX XXXX  Account Number : # XXXX Payment Due Date : XXXX of Each Month Dear Consumer Financial Protection Bureau Representative, In XX/XX/XXXX, EQUIFAX admitted to a data breach of ALL credit files, to include, but not limited to, a credit file in my name, XXXX XXXX XXXX, bearing SSN XXXX. 

I have sent EQUIFAX CREDIT BUREAU several letters that requested the credit agency to reinsert positive tradeline XXXX XXXX ACCOUNT # XXXX back into my EQUIFAX credit file. To date, my request for EQUIFAX CREDIT BUREAU to INVESTIGATEand to REINSERT Tradeline XXXX XXXX ACCOUNT # XXXX back into my credit file have been ignored. 

On XX/XX/XXXX at XXXX hours, I received an e-mail from XXXX XXXX that alerted me that my SOCIAL SECURITY NUMBER and e-mail address was found on a risky website. Upon that notification, I ordered a Fraud Alert and Credit Freeze through EQUIFAX CREDIT BUREAU to protect ALL items within my credit file that wassupposed to be protected by EQUIFAX CREDIT BUREAU. 

Still, despite my efforts to protect my EQUIFAX CREDIT FILE, EQUIFAX has ALLOWED a positive tradeline to be removed from my credit report. 

On XX/XX/XXXX, I obtained a hard copy of my EQUIFAX credit file that also NOTED XXXX XXXX ACCOUNT # XXXX on it. 

On XX/XX/XXXX, I obtained a hard copy of my EQUIFAX credit file that revealed that the XXXX XXXX  ACCOUNT # XXXX was REMOVED from my EQUIFAX report. 

On XX/XX/XXXX, XX/XX/XXXX amd XX/XX/XXXX, I obtained copies of written letters from XXXX XXXX that directed EQUIFAX to do the following through an electronic message ( XXXX system ) : XX/XX/XXXX : Update the balance of {$370.00} as of XX/XX/XXXX XX/XX/XXXX : Account XXXX has been open since XX/XX/XXXX XX/XX/XXXX : Update the payment history According to XXXX XXXX, EQUIFAX has failed to respond to their our request to REINSERT   XXXX XXXX  ACCOUNT # XXXX onto the EQUIFAX CREDIT FILE belonging to XXXX XXXX XXXX. Please noted that XXXX XXXX XXXX phone number XXXX, which is listed on each letter. 

EQUIFAX CREDIT BUREAU removed a positive tradeline from my credit file. I NEVER received an offical written letter from your EQUIFAX CREDIT BUREAU that the XXXX XXXX ACCOUNT was actually deleted. The removal request was NOT made by me or XXXX XXXX, which makes the deletion VERY suspicious. 

I requested that EQUIFAX CREDIT BUREAU REINSERT  XXXX XXXX   ACCOUNT # XXXX to my credit file, as this is an error on there part. 

Enclosed in this letter is : 1 ) A copy of my EQUIFAX CREDIT FILE that clearly shows that my XXXX XXXX ACCOUNT # XXXX was LISTED on my credit file as of XX/XX/XXXX/Confirmation # XXXX. 

2 ) A copy of my EQUIFAX CREDIT FILE that clearly shows that my XXXX XXXX  ACCOUNT # XXXX was REMOVED from my credit file as of XX/XX/XXXX, XXXX/Confirmation #  XXXX. 

3 ) An E-mail letter ( dated XX/XX/XXXX ) from XXXX XXXX  that broadcasted an alert that my SOCIAL SECURITY NUMBER and e-mail address was found a risky website. 

4 ) A letter from XXXX XXXX that was dated XX/XX/XXXX that requested that your agency update the balance of {$370.00} as of XX/XX/XXXX. 

5 ) A letter from XXXX  that was dated XX/XX/XXXX that verified that this account was opened on XX/XX/XXXX. 

6 ) A letter from XXXX  that was dated XX/XX/XXXX that they requested that your agency update the payment history. 

Thank you for your time! 

Sincerely Yours, XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation