Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm about to sue Equifax ONCE AGAIN ( AND WIN AS I DID RECENTLY WITH A JUDGMENT IN MY FAVOR )! I'm SO SICK of this BS! So tired of it! These people are some of the most incompetent in the credit bureau industry! I just got off the phone again on Thursday, XXXX XXXX XXXX at XXXX AM. They keep making up more and more ridiculous lies as detailed below. 

There has been outright fraud on my credit report as a result of identity theft since XXXX. As I'm military, and with the Covid pandemic, it's been tough keeping up in accounts that were opened up! But recently I caught 2 XXXX XXXX cards as detailed below! Contacted Equifax in XXXX of XXXX and they said to send in the police report with updated information. The police department said to just use the one initially filed as that is their policy. So I did. But in XXXX after NO UPDATE via mail, email, or phone from Equifax I called and they said that " yes we received the police report but we need the officer 's badge number. '' Such XXXX! And then he LIED to me and said their fax number didn't work so I needed to mail in my requests! So I paid {$50.00} to overnight the newly updated police report! Tracking showed it was delivered first week of XXXX! Yet they claimed they didn't receive it when I called XX/XX/XXXX! Then the supervisor had me fax it again because she didn't receive it via the mail. So the fax number works again, huh? 

Did it! Called today and i'm livid! Now they're claiming the police report is NOT VALID! I completely lost it on them. HOW CAN THE BACK OFFICE DETERMINE THIS?! Now what is the issue! This is the 3rd time I've had to go to the police station to get this resolved! THE THIRD TIME SINCE XX/XX/XXXX! " Oh, well there is no date on there. '' YES THERE IS! ON EVERY SINGLE PAGE! 

" Yes but the involvement date has nothing specified. '' ITS ON THERE! RIGHT ON PAGE 3! The date and time is listed ON EVERY PAGE! " Oh the back-office is saying it is not valid. '' Call the police station! It's 100 % valid! " Yes but we're not accepting it because the time is not on there with involvement date. '' Transferred to a supervisor. " Oh well actually the police report is fine and the time is already on there as you noted so you're right, but now they are saying that it was rejected because the social security card was illegible. '' SUCH XXXX! I HAD DOCUMENTS PRINTED IN COLOR, IN HD, AND SENT WAY MORE INFORMATION THAN NEEDED! Passport, drivers license, social security card, old police reports. 

YOU HAVE A MAILED IN DOCUMENT WITH LEGIBLE INFORMATION, MULTIPLE FAXES THAT WERE SENT IN COLOR AND HD. So why are you lying and saying that this document is illegible?! You didn't say this in XXXX or XXXX? Nor in XXXX? You said those documents were fine and perfect! Now in XXXX you have ANOTHER HD fax sent to you, PLUS MAILED IN DOCUMENTS! SO WHAT IS ILLEGIBLE NOW? WHAT OTHER EXCUSE?! 

XXXX XXXX, Supervisor, XXXX is the supervisor I just spoke to on XX/XX/XXXX at XXXX XXXX! Totally rude and just continued to make my life harder! 

EVERY XXXX TIME I CALL INTO THESE PEOPLE THEY GIVE ME A HARD TIME! THEIR BACKOFFICE AND CUSTOMER SERVICE TEAM AREN'T EVEN IN AMERICA! THEY ARE OUTSOURCED TO OTHER COUNTRIES AND THESE PEOPLE DO NOT GIVE A XXXX IF THEY HELP AMERICANS OUT OR NOT! THEY CAN'T UNDERSTAND BASIC THINGS! IT'S NOT FAIR TO US OR THEM TO HAVE TO DEAL WITH ONE ANOTHER! 

This information was promised to be taken off within 72 hours of receiving the documents! It was sent 4 times via mail and fax! They have no reason to do this! 

It's an outright lie that this information is now not legible! Equifax, you have until Friday, XX/XX/XXXX to take off this information as promised or I will sue you once more! Remember that judgment I was awarded and you had to pay for? I'm doing it again and have much more to show! Fix it! This is insane! It's not right what you guys are doing! 


Dated Below XXXX. XXXX XXXX Dear Equifax, I spoke to you numerous times about identity theft on my profile over the last couple of years. Most recently I was concerned about two accounts ( XXXX XXXX ) on my credit report ending in XXXX opened on XXXX XX/XX/XXXX and XXXX opened on XXXX XX/XX/XXXX. This is identity theft. After speaking to the fraud department in early XX/XX/XXXX, you told me you would take this off my report within 72 hours. I sent my social security card, police report and drivers license. 

However, it never came off. After speaking with XXXX, ( XXXX number XXXX on XXXX XXXX XXXX ), in the XXXX XXXX XXXX department XXXX Equifax XXXX he told me that the reason for this was that the XXXX never included a point of contact or their badge number on that police report. So, I had another police report filed with the information, with their badge numbers and contact information. XXXX said that my drivers license and social security card documents were fine. 

I am attaching the new updated police report that meets your guidelines with the officers name and badge number and resending my identity documents. If you need their contact information, it is : - XXXX XXXX new case number : XXXX - XXXX XXXX disclosure request online or via office, XXXX I am also sending you the previous fax/ mailed documents as well for clarification. 

XXXX said that you no longer receive fax documents as of last week. I am expediting this to your headquarters. He said that you will remove these files within 4 business days. Please do so as soon as possible! Mailed XX/XX/XXXX via XXXX priority and tracking number is : # XXXX says you picked it up in person XX/XX/XXXX and still not processed! 

This is affecting my security clearance in the military so please remove ASAP! I am also sending this copy into the CFPB to alert them of this, since you told me youd take it off in XXXX! Its been almost 3 months! 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation