Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: CA
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:
I believe Equifax, Inc. is in Violation of FCRA 605B. 

On XX/XX/XXXX, I filed an FTC report concerning the identity theft Ive obviously suffered. 

A {$100000.00} plus account, ( XXXX XXXX XXXX ), appeared on my credit report. I have no knowledge of this account/company. In XX/XX/XXXX I disputed the account with all three credit bureaus. By XX/XX/XXXX, XXXX and XXXX removed the account from my credit reports. I've been disputing this with Equifax ( EQX-from here on ) since then to no avail. On XX/XX/XXXX and XX/XX/XXXX, I completed verifying my identity, by faxing and uploading my drivers license, social security card and a utility bill ( confirmation # XXXX ), for EQX to remove incorrect names and addresses that dont belong to me. I received confirmation emails that the disputes was completed on XX/XX/XXXX and XX/XX/XXXX. These emails were incorrect. These disputes have still not been corrected on my Equifax credit report. The incorrect names and the incorrect addresses are still reporting. Therefore, were NOT removed. They still remain to date. These no actions are simply deplorable. 

On XX/XX/XXXX, I called EQX and was given two confirmation numbers. One ( confirmation # XXXX ) was to remove a fraud alert from my report, because I didn't add it. The other was to remove the XXXX account and to receive a new credit report ( confirmation # XXXX ). When I received the Dispute Results reports, as you can see ( # XXXX XXXX, there is no mention of EQX  removing the Fraud Alert from my report but instead it states that certain addresses were deleted. They have not. The bad name and address removals should have taken place in Dispute Results report # XXXX. 

As you can see in # XXXX it states The results are : This item has been deleted from the credit file., which it hasnt. Its listed three times. Im afraid to see what else they may have taken off in error. 

I reached out to EQX on XX/XX/XXXX to get a status update on the removal of the XXXX account and was told that it was accurate. I told him it wasnt and I asked the representative if he needed the FTC report ( # XXXX ) and he said no they have it. Give it 30 days. Theyre obviously reading from a script. I was given a new confirmation # XXXX for them to remove this account again. 

As of XX/XX/XXXX, EQX is reporting that there were missed paymentsXX/XX/XXXX-XX/XX/XXXX but now shows current payments for XXXX and XXXX. If this is the case, then who is making the payments because I am not. My last communication with EQX was XX/XX/XXXX and she said the company says its my account. I told them its not my account. She told me to give it 30 days ( again from the script ) and I noticed when I looked on EQX they had changed the comments to Consumer Disputes - Reinvestigation In Progress. Also, if you notice, there is not an inquiry for this company on my report. 

Because of these errors I was recently denied a student loan for my daughter who starts attend college next week. This is totally unacceptable. Please HELP! 

I am attaching the following : - Dispute Results reports XXXX, XXXX, and XXXX. 
- At the time of this submission I am unable to locate the digital copy of my FTC Report # XXXX - Copy of Credit report pages showing before and after account removed from XXXX   and XXXX. 
- Copy of report page showing payments history ( EQX-XXXX )

Company response to consumer: Closed with non-monetary relief