Consumer complaint received 2018-10-12
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:
Last XXXX I identified fraud on my credit reports with XXXX. XXXX & Equifax. I reported it to my local police department, filed a report & received documentation stating the accounts were fraudulent. I also reported identity theft at XXXX & within a month XXXX & XXXX   removed the accounts from my credit report but Equifax did not. I proceeded to submit multiple re-investigations with Equifax explaining to them that they were breaking United States Federal Law under the Fair Credit Reporting Act & the Fair Debt Collections Practices act but even after filing a re-investigation for the 8th time they denied my dispute. I asked the employee 's acting on the behalf of Equifax to identify themselves with their first & last name as well as their employee number yet they continually refused. I believe this activity to be illegal & would appreciate a quick & fair response to their refusal to do what is necessary under Federal Law. I have since been in contact with Equifax again after I filed a complaint with CFPB with On XX/XX/XXXX. The representative stated that they have now seen the police report I filed in XXXX of XXXX & my complaint with CFPB filed XXXX XXXX, XXXX. They also stated that there should be no reason the accounts wouldn't be removed previously because I have done everything necessary on my end but I further explained that I have been arguing back & forth with Equifax for almost a year now because they were the only credit bureau to still report the fraudulent accounts as mine. The representative then placed the fraudulent accounts listed as XXXX XXXX XXXX XXXX {$13000.00} & XXXX XXXX XXXX {$42000.00} under re-investigation to be removed. The representative stated that even though I had been placed these specific accounts under re-investigation multiple times, this time the accounts would be 100 % removed. I thanked the representative profusely for their help & waited for the accounts to be removed. On XX/XX/XXXX, I received the results of the re-investigation from Equifax. The report stated that the XXXX XXXX XXXX XXXX Account for {$13000.00} has been identified as fraud & removed from my report but stated that the Account from XXXX XXXX XXXX was verified as my account. Confused how one account could be removed & not the other because they were both reported as a fraud on the same police report & with my complaint through XXXX, I called Equifax for clarification. At first glance, the representative I spoke to was very confused as well but after a few minutes, he left to speak to his supervisor. When he returned he began to apologize profusely on the behalf of Equifax stating that the reason the fraudulent XXXX XXXX XXXX  of {$42000.00} was not removed was that of the way the investigation was filed & it was a mistake on the behalf of the last reversative who placed both accounts to be removed. He then stated he placed the fraudulent XXXX XXXX XXXX account for {$42000.00} under reinvestigation one last time & stated he did it in a manner of which to mirror the re-investigation placed for the fraudulent XXXX XXXX XXXX XXXX Account that was removed. I thank the representative prefously & began waiting for the account to be removed. Today is XX/XX/XXXX & Equifax has still not removed the fraudulent XXXX XXXX XXXX Account for {$42000.00} but has responded to my complaint through the XXXX. Their response stated that I was not specific enough in my complaint & therefore they could not properly respond to my complaint. Now I am placing a new complaint to make sure Equifax lives up to their claims & officially removes the fraudulent XXXX XXXX XXXX Account for {$42000.00} in a timely manner & as soon as possible.

Company response to consumer: Closed with explanation