Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: MS
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:
Let me start off by saying my life has been upside down since Equifax data breach in XXXX. My information was amongst the millions of consumer information that was stolen in the data breach. Ive been working with Equifax nonstop after I pulled my report and found numerous of inaccurate information on my report. After all the stress theyve caused, one would think that theyll go above and beyond to help consumers. WRONG! Equifax reps do not investigate information properly and do not care that you are a victim of identity theft. Ive been disputing unauthorized inquiries and account since XXXX and havent made any progress. My last attempt was XX/XX/XXXX. 

Lets start off with the 34 UNAUTHORIZED inquiries I have on my report. I was only able to dispute these once during the whole timeframe and they came back as accurate within 24 hours. Every rep I speak with tell me that I can not dispute inquiries, because they are factual. Those inquiries are not factual. Ive contacted each company and they stated that I dont have an account with them and they dont have any knowledge of doing business with me. 

According to the FCRA Im allowed to dispute any inaccurate information on my credit reports and the bureau must investigate. They arent following FCRA laws. 

The next problem is theyre not properly investigating fraudulent accounts. Ive had these following account removed from the other two bureas, because they actually investigated and found that the accounts were fraudulent. I also have documents attached showing accounts removed from both burea. The accounts are : Comenitycapital/over, Comenity XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX. I also sent them an identity theft report with these account on it and they still havent removed them. Ive asked for the information they used to verify these accounts and didnt receive a response. 

The last issue I have is with collection accounts. Lets start off with XXXX XXXX XXXX. Ive disputed these two unknown account with Equifax numerous of times and they always update the accounts as accurate. I reached out to the company by sending a debt validation letter. The company responded with two bills that had my first and last name correct, but wrong middle initial. The bill came from a hospital. Theres no telling how many people are in the hospital database with the same first and last name as mine. Also, the two billing statements they sent me were so off and didnt explain anything. The two billing statements they sent were in the amount of XXXX and XXXX, but the two account collections show on my report as XXXX and XXXX. That is not proper validation. That debt doesnt belong to me. They do not have anything else on this statement that prove this debt is mine. I will attach the billing statements. I have another collection on my report under XXXX XXXX XXXX that I disputed over 30 days ago and I havent received an update. That accout has been removed from the other two bureas as well. The last collection account is XXXX XXXX and the original creditor of this account was removed from the other two bureas due to fraud so the collection account was removed as well. 

I added a fraud alert on my report for seven years to prevent future unauthorized items on my report.

Company response to consumer: Closed with non-monetary relief