Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date of incident is todayXXXX. My complaint is against an evil non American credit bureau named Equifax. My claim is gross negligence and misconduct. First, they made me feel very uncomfortable by putting me through a very ignorant screening process to attempt me validating myself as myself. When I 've contacted the other 2 bureaus I only had to supply my name, SS #, and address which is understandable. These people gave me the 10th degree and i know its because of the data breaches but to expect me to know every single detail/answer over my whole life was a bit radical. ie-name EVERY CC and/or dept store card uve ever held and specifically how much you still owe, list EVERY address youve lived at in your life 's entirety, etc. It is not the consumers fault that your IT dept XXXX, you paid an unlicensed company for security, and that you allowed hackers to infiltrate your mainframe stealing 44 % of Americans sensitive life information. Just another reason Americans should not have to deal, positively or negatively, with a XXXX based business that not only ruins lives daily but treats us as we 're inferior individuals and has any major influence on our credit lines. I asked repeatedly for the organization and representative to validate themselves/her self to me and I was constantly strung along and told that once i forcibly complied they would and I 'm still waiting. XXXX and blasphemy on their behalf. After every question I asked pertaining to any concern ( s ) I was met with " I ca n't tell you that, it 's not within my legal bounds to divulge that information, we dont allow consumers that knowledge '' etc. So i was expected to further release more sensitive information about myself to potentially be stolen and they blatantly refused to offer me any kind of trust, respect, and solace. This organization has no credability. The reason behind calling them today was supposed to be simple but I didnt get any results and if/when I recieve any correspondance I 've already been told " because of a lack of information on our behalf, there 's a good chance you 'll be denied! '' Anyways, there is a very old negative mark, in Collections, from XXXX on my report from XXXX XXXX. There is no contact information which is unlike every other company/servicer on my report so I decided to seek help directly from Equifax. I did first attempt to get phone numbers myself online and all four numbers were completely automated and just looped back around to the beginning after a certain time or gave me another automated-only number that I had already attempted contacting. The account in question, as stated prior, is from XXXX and was not only opened & closed on the same date but at the same time there is also a {$0.00} dollar balance, no late fees, nothing. I figured I would n't have to even dispute that I could just get it removed instantly as an indiscrepency, I was sadly mistaken. I was placed on hold multiple times against my better wishes and requesting not to be put on hold and the rep even voiced concern and confusion as to why or how this was on my report. Needless to say, I was forced into waiting up to 30 days for them to complete an investigation into an account thats 15  years old, I did n't open to the best of my knowledge, that was never used, and that had a {$0.00} balance. When asked why time, resources, and manpower was going to be wasted again I heard utter nonsense. Why not investigate your own countries problems and thoroughly investigate your data breaches instead? Then I had to hear " since we dont have their contact information either, there 's a good chance you will be denied the removal '' clearly, that is/was my last straw. I asked about when it gets removed if Equifax was going to give me back any/all credit I had stolen & XXXX from me, points, reputation, etc & was rudely explained that they are not at liberty to discuss that. Well after forcing discomfort in me, what are these frauds allowed to discuss with consumers whose lives are being dictated and ruined? They also refused to confirm with me if I 'm 1 of the 143 million US taxpayers whose info was stolen due to their overall negligence. Since nothing was ever owed on this account and it was open & closed at the same time without correction for 15 years, it should have NEVER been registered on my report, made deragatory, and placed into Collections. That is gross misconduct and negligence on behalf of Equifax wholly and is my validated claim now among other reasons. Please help, thank you

Company response to consumer: Closed with explanation