Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A bit of historyI was a victim of identity theft in late XX/XX/XXXX, early XX/XX/XXXX. I filed a police report, completed an identity theft affidavit, and provided both to Equifax ( EQ ), XXXX  ( XXXX  ), and XXXX  ( XXXX  ). The few instances I had to work XXXX and XXXX  where seamless and hassle free, EQ not so much. EQ assigned my file to The Office of Consumer Affairs ( TOCA ) in mid-XXXX XXXX when I notified them that my birthdate had been changed on my credit report. After providing them with documentation to verify my identity they corrected it, didnt seem concerned, yet refused to tell me what credit provider sent them the bogus info. Since then Ive had 3 credit cards compromised, was part of the original Equifax breach discovered on XX/XX/XXXX,  and received a letter from Equifax dated XX/XX/XXXX informing me that my personal documents ( social security card, drivers license, and birth certificate ) uploaded to them at their request, had been accessed as well. In XX/XX/XXXX EQ shared my extended fraud alert information with XXXX which is fine however the information shared didnt include my contact numbers rendering the alert useless. Although Ive been told repeatedly by TOCA that they have my credit report locked, I recently noticed that I have 3 unauthorized inquiries on my credit report which they cant explain. MY COMPLAINTOver a year ago Ive questioned some of the Associated Addresses reporting my credit report. Some belonged to relatives which didnt concern me rather the more troubling addresses wear the 3 that I have no connection to what so ever. Ive disputed these 3 addresses multiple times with TOCA however each time they come back with address used for billing and/or application purposes will appear and remain on credit file. Then last month I noticed that one of those addresses in question was now reporting as my current address. Knowing that a red flag for indemnity theft is the unauthorized change to ones personal information I again contacted TOCA and requested they investigate this and the two other addresses in question. The TOCA corrected my address, refused to tell me which credit provider sent them with the wrong address, and once again said these addresses where associated with me. Im hoping that the CFPB can direct EQ and TOCA to provide me with the name of the creditor providing the information allowing the following addresses to appear on my credit report. If this is not possible I would asked that the addresses in question be permanently deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. This is the address that was used as my current residence. Its an old office build that I have no affiliation with. XXXX XXXX XXXX XXXX XXXX TX XXXX. Ive never lived or even been to Texas and to the best of my knowledge have any relative in Texas either. A quick XXXX doesnt show this is a valid address. XXXX XXXX XXXX XXXX IL XXXX. A XXXX  search shows this XXXX XXXX   is for XXXX XXXX XXXX XXXX. I have no affiliation with XXXX XXXX what so ever.

Company response to consumer: Closed with explanation