Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX To whom it may concern : On XX/XX/XXXX I called Equifax to request a full copy of my credit report, as well as I wanted to pay for my credit score.

For starters, I feel that my phone number is set up so that every time I call Equifax, I hit road blocks, my calls always go to the XXXX, or XXXX, somewhere out of the United States, every time this happens.

I always ask for them to please transfer me to a United States representative, then I have to wait for long periods of time, I get hung up on after waiting at times, and I have to call again, and again, and again.

I feel that my calls are intentionally being sent global, due to the fact that I have had to make, many, many, many complaints against Equifax to several agencies, for Equifaxs fraudulent, deceptive, malicious handling of my credit file for at least the past 6 years.

As well as I have had to have several attorneys to write them within the past 2 years, regarding their malicious deeds.

On XX/XX/XXXX when I called, my call went to it seems XXXX, I requested a United States representative, then I had to wait, and wait, so I hung up and called back.

Again, my call went to XXXX, but I was able to get this person to transfer my call to the United States.

The United States representative that I spoke to, I explained to her that I was calling to request a copy of my credit report, and I wanted to pay for my credit score.

The Equifax representative asked me all sorts of questions to verified who I was, then she asked me to wait on hold, after the wait, when she came back on the line, she decided that she wanted to charge me for my credit report as well.

At the beginning of my call, I had explained to the representative, that I was denied credit by XXXX XXXX, for their XXXX card recently, and I had been told by XXXX   that I could receive a free copy of my credit report.

As well as I have not received my yearly free copy of my credit report from Equifax.

The representative insisted that I needed to pay for my credit report, she was not willing to understand that I was eligible for a full free copy of my report.

I asked the representative to please let me speak to a supervisor, she got a male on the phone, who claimed to be a supervisor, and from the time he got on the phone, with the way he was treating me, I could tell that he wasnt listening to anything that I was saying, he was going right along with the female representative that got him on the phone, as a supposed supervisor, all he did was give me a hard time.

He began by telling me that I had already received 5 copies of my credit report already for the year, which was not at all true, and he said that he was not able to provide me with a copy of my credit report, whether I purchased one or not, I could not get my credit report.

He also put me through this security question quiz, he first asked me for my social security number, I gave it to him, he then asked me to name 3 credit cards that I have, and the balances, I provided the information to him for nothing, because he had already asked me for my social security number, and the rep prior to him had also verified who I was. Basically they had me on the phone just for harassment purposes only, the so called supervisor did not sound at all genuine.

I am noticing, more and more, that every time now, when I call Equifax for my credit report, or score there is always a problem. They lie to me and tell me that I will be receiving the credit report, or the score that I had paid them for in 7 to 10 business days, and they have not been sending me the reports.

Or they claim that due to the fact that I complained on them, I have open disputes, and they cant provide me with a report until the dispute is done.

Even when I dont have open disputes, there is always some reason why I am not getting them to send me my credit reports, or my score, and as stated previously, even if I had paid for the score, they take my money, and dont send me the score in the mail, I have had to contact my card providers on more than one occasion to get my money back.

I have had to call my bank or credit card company on more than one occasion to request a refund for the money that I paid for the credit score, because they charge my cards, but they dont send me my reports or score, as I have requested.

What they are also doing to me when I call to request a credit report or my credit score, is they claim that they have to do a further security check on me, they say that there are a few questions that they need to ask me. They will ask me questions as to items on my credit report, such as did you purchases a vehicle between certain dates, then they name vehicles, and I have to choose the right one, or they ask me to name 3 credit accounts on my credit file, and even when I provide them with the correct answers, they claim that I am wrong, and they refuse to continue speaking to me, and they refuse to give me the report or credit score that I called them for, then they end the call, this has happened over and over to me since last year.

I can understand verifications, and I provide them with everything that they ask from me, but what they are doing to me now, is harassment, no matter how they verify my information, they refuse to provide me with my credit report, or score.

What they have done pretty much for the past few years, especially all of last year, out of spite, is when I have filed some sort of complaint against them, and I have had to file many, because of all of the deceptive, fraudulent things they have been doing with my credit file, is they refuse to send me a full credit report, what they do, is they might send me a one, two, or three page report, depending on where the Item that I had complained about, fell on the report pages, but they will not send me my full credit report, as I have been requesting.

Now I see that they are not trying to provide me with a credit report, at all.

They have also been spiteing me for years now, by doing whatever false fraudulent deception that they can do and get away with, to keep my credit score as low as possible, even though they know that my credit score should be much, much higher than where they have spitefully been keeping it for the past few years.

Ive applied for credit and been denied, due to the fact that Equifax continues to refuse to raise my credit score as high as where it should rightfully be.

For years now, they have been applying ( some of their Equifax rating codes ) that do not apply to me, and my credit file, yet they use their deceptive codes on my file, to keep my score in the toilet, I have complained, and complained, and complained, yet they still continue with their vindictive harassment practices.

Due to the fact of my having to fight Equifax for the past few years, for them insisting on reporting false fraudulent information on my credit file, and them refusing to remove it.

Or the fact of them removing my {$50000.00} plus dollars of paid off school loans off of my credit file, loans that had raised my credit score.

And the representatives at Equifax removed, and erased the paid off loans off of my credit file thereby drastically intentionally lowering my credit score.

They had no valid reason for removing the loans off of my credit file, they were reporting the loans incorrectly, they were reporting the loans as though they were transferred and differed when they werent, they were fully paid off, and I asked disputed and asked them to correct the false information that they were reporting about my loans, and instead, they completely took the loans off of my credit file.

And I have had other false derogatory information on my credit file that was not even mines, such as wrong addresses, where I have never lived, medical collection accounts that werent even mines, or for people that I didnt even know, as well as other collection accounts, and when I fight and get this fraudulent information, my credit score still wasnt raised. When they put false fraudulent information on my credit file, they take big chunks out of my score, even when the false lies that they had placed on my credit files have been removed, my score is still low, always in the toilet.

They have just continued to do so many treacherous things to my credit file, and my score for the past few years.

In XX/XX/XXXX I had contacted your agency, because Equifax was reporting my correct social security number on my credit file, as well as they were also reporting and attaching a fraudulent social security number onto my credit file.

A social security number in which they refused to remove off of my file, the fraudulent number that they were reporting, the only difference in that number and my social security number, was that my social began with a 5, and the fraudulent number began with a 4, but everything else was the same as mine.

And I always had concern that they had, had that fraudulent number on my credit file for not so good purposes.

Equifax reported this fraudulent number on my credit file for over a year, no matter how many times I disputed the fraudulent social security number on my credit file.

No matter who I contacted at Equifax to have it removed, no matter what agency I disputed this information with, Equifax insisted on leaving this fraudulent number on my credit file. Equifax did not remove the fraudulent number off of my credit file, until I contacted your agency in XX/XX/XXXX.

And even though the fraudulent social security number was no longer showing on the reports that I had received since XX/XX/XXXX, I always felt that somehow in their data base, the number was still there linked to my credit file.

Fast forward to last year XX/XX/XXXX, my Equifax credit file was one of the ones that got hacked into, and the representatives at Equifax did not advise me that my credit information had been breached.

The representatives at Equifax knew that my credit information had been breached, and they didnt tell me anything until months later after the breach took place.

Also, Equifax has been placing Alerts onto my credit file without my knowledge, or consent. They block my credit, and then they notify the other bureaus to do the same, without me knowing anything, and they repeatedly do this, even though I ask them not to. And when they do this, they lie to the other bureaus, claiming that I requested the alerts be placed onto my credit files, when in actuality, I did not.

I request at every telephone call that I place to Equifax, that they make sure that there are no phone numbers on my credit file, then I find that they are not honoring my request, even though they tell me that they are, I find that my telephone number that is unlisted, is being placed onto my credit file.

I tell them that I dont want to be blocked from promotions, I want the promotional offers, and then I find out that they have blocked me any way from the promotions.

Last XX/XX/XXXX, I went before a judge and had my name legally changed from my married name, to my maiden name, and I notified, and provided Equifax as well as the other credit bureaus with the legal documentation from the Judge of the court.

Equifax has my full legal name as it is now, and I asked that they record my name on my credit file, not showing my full middle name, only the initial if necessary.

If possible I would prefer my middle name and initial to be removed.

And even though Equifax allowed my credit information to be previously breached last year in XX/XX/XXXX, they have not honored my request regarding my name change.

What they have done instead, is that they have placed my full new legal name including my middle name onto my credit file, even though I asked them not to.

The malicious representatives at Equifax, are opening the door for my personal information to be breached once again.

They know what my former name was, they have all of the information on me, but instead of listing my name as I have requested, they have listed my full new legal name.

And they have refused to remove my former name from my credit, they are using my former name as an AKA, formerly known as ( XXXX  ), I ask that they remove my former name from my credit file, and they have refused more than once.

So since XX/XX/XXXX, when I provided them with my new legal name, they have been putting all of my new information out there for all of the world to see, they are damaging my identity even further.

( I have attached a copy of the page showing how they have my name listed on my credit file ).

( And I have also attached a copy of the letter that I provided to Equifax regarding my name change ).

( And I am also attaching a copy of a certified letter, dated XX/XX/XXXX, in which an attorney from the law office of XXXX XXXX XXXX XXXX. wrote to Equifax advising them of how they are harming me by not removing my former name from my credit file.

Equifax should not have placed my former name on my credit file, since I provided them with documented proof of my legal name change in XX/XX/XXXX of this year ).

( XXXX  ), my former name is not supposed to appear on my credit file at all, and on XX/XX/XXXX when I spoke to that useless supervisor XXXX, from ( team XXXX ), as he claimed.

XXXX  told me that, ( XXXX ), was still listed on my credit file, and he refused to do anything about removing my former last name off of my credit file.

And he also refused to contact whomever had the ability to take my former last name off of my credit file.

Its not his life that is being messed up, so he just didnt care, all he wanted to know was that he was being a road block in my life.

Company response to consumer: Closed with non-monetary relief