Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a serious problem with Equifax. I dont know if there is a language barrier OR IF THESE PEOPLE ARE SERIOUSLY THIS XXXX, but I have called them regarding this problem a total of 8 times already. EIGHT TIMES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I am done calling these people. Ridiculous I have requested and have spoken with several supervisors about this and today I get a confirmation email about a dispute I filed with this file number # XXXX. I go to the email confirmation with the link to open the dispute results as I was directed I put that file number in and was able to see all the times I disputed and since this said " pending '' I went ahead and opened this file numbers results # XXXX and I remember getting that bc I called one day on XXXX and talked to XXXX even had her spell her name she was an alleged " Supervisor '' now mind you this was my 3rd time calling by this point I was XXXX bc I kept getting notifications from XXXX that " EQUIFAX WAS PLACING A 7 YEAR SECURITY FREEZE '' ON MY CREDIT REPORT. UNBEKNOWST TO ME. I 've never requested a 7 year anything EVER. To my knowledge you cant just request that furthermore I always request this over the internet through the website NEVER SPEAK TO ANYBODY about placing a fraud or security freeze on my accounts EVER. AGAIN ITS NORMALLY DONE OVER THE INTERNET AND I GET CONFIRMATIONS. Long story short ON XXXX " XXXX THE ALLEGED SUPERVISOR '' ( MAY AS WELL BEEN TALKING TO A REGULAR REPRESENTATIVE BC APPARENTLY SHE CANT EVEN GET THIS RIGHT ) CONFIRMED it was placed on there AND HERE IS WHY, she said bc I called about having inquiries removed. OK BUT I never told you to put a security freeze for 7 years on my account. Apparently after carefully researching on XXXX credit groups since that credit breach with EQUIFAX anybody that calls in and MENTIONS THE WORD " INQUIRY '' the stupid people are putting freezes on people 's accounts WITHOUT THEIR PERMISSION. AGAIN I HAVE NEVER GIVEN THEM PERMISSION TO PLACE A 7 YEAR FREEZE ON MY ACCOUNT. I did a 90 day OK NINETY DAY FRAUD ALERT XXXX XXXX, XXXX THATS IT THATS ALL. Ok well apparently I find out Equifax still has the freeze on my account. XXXX SAID IT WAS REMOVED I ALSO RECORDED THE CALL. ALSO ON XXXX I WOUND UP CALLING BACK JUST TO MAKE SURE AND SPOKE TO XXXX ANOTHER " ALLEGED SUPERVISOR '' ( THESE SUPERVISORS ARE INCOMPETENT AS WELL ) WHO ADVISED " NO WORRIES ITS REMOVED. '' I TOLD HER TO SEND ME A COPY OF THE CURRENT CREDIT REPORT SHOWING ITS REMOVED. DO YOU KNOW THAT REPORT I JUST LOOKED AT WITH FILE NUMBER # XXXX STILL HAS THE ALERT ON THERE. I AM DONE CALLING THESE FOREIGNERS OK. ON XXXX XXXX CONFIRMED THAT FILE NUMBER # XXXX REQUESTING TO REMOVE FREEZE WAS REMOVED. THATS THE SAME FILE NUMBER XXXX GAVE ME ON XXXX SAYING SHE REMOVED IT. LISTEN HERE OK. IM NOT CALLING EQUIFAX , XXXX OR XXXX BACK AGAIN OK. CFPB PLEASE REMOVE ANY SECURITY FREEZES FROM MY ACCOUNTS I DID NOT ASK FOR THEM EVER. SICK OF THIS XXXX. IM GON NA TALK TO AN ATTORNEY EQUIFAX HAS MISHANDLED THE XXXX OUT OF MY CREDIT REPORT. WHAT STARTED ALL OF THIS WAS ME CALLING ON XXXX REQUESTING THEM TO REMOVE ADDRESSES THAT APPARENTLY LOOKING ON CR # XXXX THERE ARE STILL SEVERAL ON THERE AND THE ONLY ONLY 2 THAT SHOULD BE ON THERE VERIFIED THIS ON EVERY CONFIRMATION NUMBER CALL THEY GAVE ME THEY ARE LIARS. XXXX XXXX XXXX XXXX OHIO XXXX AND XXXX XXXX XXXX XXXX OH XXXX. I ALSO TOLD THEM I WANTED TO DISPUTE THOSE 3 DEPT OF EDUCATION ACCOUNTS AND THEY SAID OK PLACED THEM IN DISPUTE OK THATS IT. THEY TOLD ME THEY REMOVED THE OTHER ADDRESSES AND DID THE DEPT OF EDU DISPUTE BUT THEY DID NOT. TOLD ME THAT CONFIRMATION NUMBER WAS # XXXX. THATS WHAT THEY GAVE ME I DIDNT MAKE THAT UP. WELL WHEN I CALLED ON XXXX I GAVE THEM THAT CONFIRMATION NUMBER THEY VERIFIED IT BUT SAID THERE WAS " NO DISPUTE '' FILED. YOU HEAR ME?? NONE. I SAID " HOW DID I GET THAT CONFIRMATION NUMBER? '' THEY TOLD ME THAT CONFIRMATION NUMBER WAS GIVEN BACK IN XXXX XXXX. I NEVER LAUGHED SO HARD IN MY LIFE. DO YOU SEE THE RUN AROUND I AM GETTING. SO HERE YOU HAVE IT. I CALLED ON XXXX, XXXX, XXXX AND XXXX ON HOLD EXCESSIVE AMOUNTS OF TIMES AND CALLED BACK VARIOUS TIMES. SICK OF CALLING THESE PEOPLE. HANDLE THIS ASAP. THESE ARE THE INSTRUCTIONS. SEE BELOW REMOVE THE 7 YEAR CREDIT FREEZE FROM ANY REPORTING BUREAU THATS IT ON, EQUIFAX, XXXX AND XXXX. I DID NOT GIVE ANYBODY PERMISSION TO PLACE IT ON THERE. REMOVE ANY ADDRESS THAT IS NOT XXXX XXXX XXXX XXXX OHIO, AND XXXX XXXX XXXX XXXX OH XXXX. ALSO SINCE YOU COMPRIMISED MY INFORMATION AND PEOPLE ARE TRYING TO GET PERSONAL LOANS IN MY NAME SINCE XXXX XXXX I THINK ITS FAIR THAT YOU REMOVE ALL THE INQUIRIES THAT HAPPENED SINCE THEN. OR THAT IS NOT DIRECTLY TIED TO AN ACCOUNT. THIS WAS WHY I WAS CALLING. THIS COMPLAINT HAS STRICTLY TO DO WITH EQUIFAX AND THE MISHANDLING OF MY CREDIT REPORT BUT I WANT THE SAME DONE FOR ALL 3 BUREAUS AS IT APPLIES. I WANT A COPY OF WHAT WAS DONE AND THE CHANGES AND OR THE NEW REPORT REFLECTING THE CHANGES. I ALREADY KNOW THE DEPT OF EDUCATION ACCOUNTS ARE PENDING DISPUTE SO THATS FINE. THATS MY RESOLUTION. I NEVER WANT TO HAVE TO CALL EQUIFAX AGAIN IN MY LIFETIME OR MY CHILD 'S LIFETIME AND SHE 'S A TODDLER.

Company response to consumer: Closed with explanation