Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After I received my corrected credit report, on XX/XX/XXXX, I submitted a followup complaint stating I still couldn't get in to my credit file. I wanted to remove/revise the Personal Statement so as not to confuse creditors. 

Over the weekend of XXXX - XX/XX/XXXX, I was contacting individual creditors provided by the FTC to resolve any outstanding issues & verify there were no accounts other than what appeared previously & was removed. 

When I reached out to XXXX XXXX, I was advised that they had closed one of my accounts because Equifax was investigating fraud on my accounts. After a lengthy & heated conversation with XXXX XXXX  Fraud Team, I was advised XXXX not only removed this account from my credit file as fraudulent, but further that would NOT re-issue my card ( until I had a XXXX balance ). 

This is a HUGE issue for me as the card they closed was an account in good standing with a perfect payment history that Ive had for 10 years ... .and now that credit building card has been completely erased from my credit history because Equifax RELAUNCHED a fraud investigation for NO REASON & NOT at my request. Because of this- in order to preserve my credit history I was forced to take the extreme act of closing all my XXXX accounts in good standing. 

On Monday XX/XX/XXXX, I called Equifax to find out what their dysfunction is and have come to the conclusion they just dont know how to read. This Credit Bureau ( along with XXXX ) has done about as much damage in 11 years, if not more, to my credit than the actual identity thief. 

After arguing with Equifax about the fact that I DIDNT request a ( n additional ) fraud investigation, I was assured that Equifax was going to contact every creditor listed on my corrected credit file to advise their investigation into these accounts was in error and hopefully hault whatever action these companies were either in the process of completing or about to. 

In addition, Despite having received the correction to my last name- it was never processed ( but finally- supposedly on XX/XX/XXXX ). 

Attached you will find the follow-up complaint to Equifax ( which they obviously didnt read ) where I started that : A ) I cant get into my credit file. When they were arguing with me about this whole " reinvestigation '' and their INSISTENCE that I asked for it, they had the audacity to read back the personal statement I placed in my credit file when I placed the fraud alert & freeze, CFPB complaint & FTC complaint ... .THIS ABSOLUTELY KILLS ME BECAUSE if they would have read the follow-up they would have realized that ( DUH ) I cant get into my credit file to do ANYTHING! 

AND B ) They keep sending me Investigation results I cant access because I STILL cant get past their on line security questions. Ive attached this ridiculousness ... ..and Im really, really tired of Equifax 's RAMPANT DYSFUNCTION. They keep apologizing for the " inconvenience '', but this is WAY MORE THAN AN INCONVENIENCE ... .I need access to my report & file so I can keep up and document this stuff to make sure that after 11 years it actually gets resolved. Im really sick to death of being told I can get my results over the phone, because I work for a living unlike the woman who is living off of my SSN. I dont have hours and hours to sit on hold, be transferred to people who have no business in that business,,, I dont have hours & hours to keep repeating myself ... especially when they ARGUE with ME ... .and tell me to call for my results or wait for them by mail. If Id waited XXXX only knows what would have been wiped off my credit history! And Im just supposed to TRUST theyre ACTUALLY going to contact the creditors that BELONG on my credit when they cant even bother to process a name change after 30 days of having it? Or fix whatever is wrong in their system that will allow me to get INTO my credit file?

For the record- I have YET to receive a single dispute result from them via the US Mail.

THIS. IS. INSANE!

Company response to consumer: Closed with non-monetary relief