Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: IN
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 was involved in the well-documented Equifax data breach. I am unsure why Equifax has a problem with me, but they continually treat me badly. They are removing GOOD accounts that were paid in full ( XXXX XXXX ) and refuse to allow me to dispute account information online, or over the phone. 

I have been locked out of My Equifax. I have been berated by their overseas representatives. And I am still yet to be shown their MOV ( method of verification ) of ANY dispute that I have requested. 

I recently sent them a formal dispute regarding the completeness of listed information. Under FCRA 609, I have  the right to request verification of ALL records pertaining to accounts on my report ; if said accounts are not verifiable, they are to be removed. I sent that Certified Mail, which was sent on XX/XX/XXXX ( USPS Tracking #  XXXX ) Over the years, I have dealt with many, many issues beyond the data breach with Equifax. More than any consumer should have to deal with. 

I fully expect a thorough and fair verification of the following accounts ( this does NOT mean using E-Oscar to exchange records ) : | | XXXX XXXX - XXXX agreed to remove per phone call on XX/XX/XXXX. 
Reported : XX/XX/XXXX {$10000.00} | XXXX XXXX XXXX XXXX - belongs to someone with same or similar name Reported : XX/XX/XXXX {$3400.00} | XXXX XX/XX/XXXX- never paid late. Should show a {$0.00} balance, pays as agreed Reported : XX/XX/XXXX {$200.00} | XXXX  / XXXX  - belongs to someone with same or similar name Reported : XX/XX/XXXX {$880.00} | XXXX XXXX - belongs to someone with same or similar name Reported : XX/XX/XXXX {$890.00} | XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$2500.00} | XXXX XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$5100.00} | XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$1500.00} | XXXX XXXX XXXX - too old to be on report ( should have been removed in late-XXXX  ; Date of first delinquency, and subsequent late payments, started in early-XXXX ) Reported : XX/XX/XXXX {$0.00} | XXXXXXXX XXXX XXXX - too old to be on credit report ( should have been removed in XXXX ) Reported : XXXXXX/XX/XXXX | XXXX XXXX - XXXX - I terminated service and do not owe a bill. Verify ALL data points. 
Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name {$1500.00} Needs attention These accounts need to be RESTORED : XXXX XXXX Closed on XX/XX/XXXX - pays as agreed XXXX XXXX Closed on XX/XX/XXXX - pays as agreed These inquiries need to be removed ( all belong to someone with same or similar name ) : XXXX Inquiry from XX/XX/XXXX - XXXX XXXX, Tire Dealers XXXX  Inquiry from XX/XX/XXXX Jewelers XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX/XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX/lXXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX , XXXX- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation