Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: OR
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:
to whom it may concern. XX/XX/XXXX XX/XX/XXXX XXXX XXXX advise me of a hard hit from XXXX XXXX. 
I have XXXX XXXX as of about the beginning of XXXX as a result of being part of some very big data breaches including XXXX and including XXXX  and a couple others.and having one of my debit cards scammed as a result of a XXXX breach, XXXX breach, XXXX XXXX breach .. it is not safe anywhere. 
I got word early am XXXX.. hard hit that XXXX XXXX emailed me about in XX/XX/XXXX the results of this, ended up putting a full credit freeze after this hard hit at XXXX. 
I missed work a day to call XXXX and I spent most of the day on the phone with fraud talking about this and how they explained that the people with my information try to apply for service through a XXXX motel room. ( Really XXXX? what type of business if this ) couple things about this as I've never lived in a XXXX motel room, also that I have been a XXXX customer since XXXX when I open my first prepaid account and then moved over to a postpaid account XXXX.. then became employed by XXXX XXXX, now like I explained to XXXX as a phone company and somebody who works for a phone company they probably know full well what type of discounts in employee might or might not get. 
XXXX also knows full well that their prices are double than XXXX, so not only is the price splendid to be with XXXX but it's really splendid when you're an employee the reason that I'm laying all of this out for you is to further back up the fact that I would never try to apply for service with XXXX. 
I Never applied for service with XXXX in XXXX XX/XX/XXXX ... I never applied for service with XXXX XX/XX/XXXX XXXX 
Literally work all day telling customers why XXXX is better than XXXX and here I have these hard hits at XXXX these are not factual I did not authorize them and they are 100 % fraudulent, they need to be removed XXXX had this down as fraud when I was speaking with the fraud department in XX/XX/XXXX they proceeded to write a letter up and sent it out to all of the credit bureaus stating that I was not obligated and that these were fraudulent inquiries and then they advised me to wait 60 to 90 days to see them gone. 
after 60 days I called XXXX and XXXX told me to just continue to wait sometimes it takes a little time. 
I'm still on a full credit freeze as result of this -still not been fixed, I don't know who's running around there trying to apply for things I haven't had any more hits and I'm feeling like that's only because of the fact that I have a full credit freeze. 
so I'm scared to remove it or try to use my own credit that I WORKED so hard to heal, I have worked so hard to build. I do not even hit my own credit with inquiries. 
XXXX I was prompted to make a account for my Equifax on the web after seeing I can, After setting that up I noticed that it allows me to dispute directly from there if I see something I don't agree with, of course naturally what I did was submitted a dispute I wasn't sure whether to say it was fraudulent or I didn't authorize this because there was several selections on why was disputing it and I'm not educated and how this works so first selection was I said that these were fraudulent, which Equifax sent me their outcome of their investigation and said that it's factual information. if I had a dispute with that to reach out to XXXX and provided me an address to a PO box . we're of course I did write to..and then I went online again and  submitted yet a second dispute towards these hard hits only this time I said the reason is I didn't authorize these hard hits..thinking that this is going to be when it gets fixed but again they came back and basically told me the same thing that they've investigated and that they found the information is factual and to reach out to XXXX. 
I've missed yet another day of work to stay home and to call out and reach out to XXXX and stay on the phone with them for them to tell me that he's already gotten it taken care of and they already did what they were supposed to do on their end back in XXXX. 
I was speaking with XXXX from XXXX fraud XX/XX/XXXX who said he would send it over to the fraud department and then escalating up, I spoke with XXXX from XXXX fraud prevention team he took my full social looked up the information and he again told me I am not liable for anything nor am I liable for the hard hits he sent a deletion and marked it as fraud- IN XXXX. I adv him nothing came of it though..and we need to get this done XXXX sent me an email for proof that includes a case number and within that case number XXXX has told me it is including both of those hard hits that I'm not responsible for he has told me this was the same document that was provided to Equifax back in XXXX from XXXX when XXXX ask Equifax to remove this from my report. 
they sent me a copy and then they sent that same copy over to the credit bureaus in regards to this again. and then I've told me to have them call XXXX if they have an issue further. 
here I am with black and white from XXXX regarding this fraud telling me it's not mine I'm not responsible in the credit bureaus are to remove it and here 's the credit bureau declining. 
done playing these games I don't have time to play these games and these games shouldn't even be a factor in regards to somebody's financials their money and this is also surrounding my well-being overall. absolutely not acceptable. 
the Equifax dispute that they declined for a third time the first time being when XXXX wrote them about it in XXXX the second time being my first dispute myself on the web and the third time being my second dispute on the web.now all Equifax is doing is sending me a copy of the dispute that I can read myself on the web and at this point I'm incensed. 
so now to further my case I reach out to consumer financial protection bureau and my State attorney general 's office to issue a complaint against Equifax. 
I had for XXXX on the phone swearing that they have even gone above and beyond to help me.. they have done more than they've ever had to do to get anything resolved with anyone else. 
why is that? From my understanding is not even financials involved  unless the XXXX just doesn't give all that information over the phone from what I understand it's just too hard hits that shouldn't be there it's not that big of a deal remove them they're not mine..not an entitled person but I am entitled for what I am owed and what I earned and what I deserve so I will full court press this as far as I need to and I will take any actions I need to to make sure that I'm taking care of. 

thank you in advance for your time.

Company response to consumer: Closed with explanation