Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: MT
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: Was not notified of investigation status or results

Complaint:
In XXXX of XXXX I attempted to create a my equifax account online an error directed me to call in. 
The automated system asked for information which equifax has the incorrect answers to. 
Using another service I got a copy of my credit report and called equifax back and verified myself through automated system using their incorrect answers. 
Finally got ahold of a representative who worded questions so weird I had no clue how to answer. Turns out it was yet another case of equifax needing their incorrect information. 
So I was able to log in and create an account. 
Equifax had taken it upon themselves to lock my report due to the XXXX breach and me filing to be part of the settlement. Found out the settlement was free credit monitoring by them. They couldnt monitor my information the first time, no thanks. So I was able to lift the lock. 
In XX/XX/XXXX I am unable to log in, spend 45 mins on phone told to create an acct using another email ... this just returned an error telling me to use original credentials, the ones that wont let me in resulting in my call. Am told I will receive a link in my email to log in. Wait 2 weeks, check spam relentlessly, nothing. 
XX/XX/XXXX I spend an hour and a half on phone ( see above ) Wait a week, no email. Call another department to hopefully speak to someone with other ideas. This department gets me into my account. 
Here online I begin the dispute process for a number of items that only equifax is reporting. 
XX/XX/XXXX I attempt to log in to check my status of the disputes via a link from equifax. Link brings me to login where I receive an error directing me to call in. I call in and am told I need to wait another 15 days. 
15 days later I go to log in. Error. 
Call equifax and am told to fax in pic of id, proof of address and pic of ssn card. 
Done as instructed. 
Receive email. Link to view status of dispute. Link doesnt work. Call. Told received documents but another department wants to review due to a tear in my ssn card, but that this rep can see all the numbers so not sending for further review, am told docs OKd ready to process disputes. 
Receive another email directing me to view status. Link does not work. 
Now XXXX of XXXX. MY BANKRUPTCY IS FINALIZED AND EQUIFAX IS THE ONLY BUREAU STILL REPORTING INACCURACIES. 
I call equifax again and even that rep can not get me into my account after password resets and direction to create another acct with new email. I advise rep this will only direct me to use my original credentials. Advised to fax written dispute request and that the previous rep did not pass my ssn card it is still being reviewed. 
XXXX XX/XX/XXXX, fax all identifying information again and include written request for disputes. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX now when I try to log in I receive an " temporarily unable to process this request '' and can not login. Does not even direct me to call. 
This is ridiculous.

Company response to consumer: Closed with explanation