Consumer complaint received 2018-01-01
Company: EQUIFAX, INC.
State: MS
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:
This letter is to inform you that Equifax possibly denies my rights under the Fair Credit Reporting Act. I disputed items with Equifax as well as the other Credit Bureaus on XX/XX/XXXX. I have repeatedly contacted Equifax as noted by the Fair Credit Reporting Act to ensure that they were provided all necessary documentation during the process. I found that I was a victim of identity theft and filed a report on XX/XX/XXXX. I was then advised to complete an FTC Identity theft report, which I have also done. I sent all required documents identifying identity theft to each of the three bureaus on XX/XX/XXXX. XXXX and XXXX have deleted or suppressed most of the designated accounts, yet Equifax has removed none. They have advised that the others have come back verified and validated. This concerns me because each of the other two bureaus has deleted most of the inaccurate or fraudulent information. 
The reasons I have concerns regarding Equifax and the verification/validation process stems from numerous reports of possible fraudulent activity regarding my identity and banking history. There have even been incidents of bank accounts being opened in other states under my name. I have spoken with an XXXX CSR who advised that a secondary social security number was attached to my profile. They have since deleted it. This led to my contacting Equifax regarding the dispute process and my actions. I was informed by an Equifax CSR on XX/XX/XXXX, at XXXX pm that I had a duplicate profile that had some of my identifying information as well as another person. When I called Equifax back, the next agent did not even want to address it and kept stating that I was making it up. I asked the representative to review the notes, and he advised that he would not check again. He placed me on hold and hung up. I called right back and was transferred to the fraud department. The next agent was not very helpful and refused even to address the possible duplicate profile. She stated that after a glance she saw I only had one credit profile and she would not look further. I advised that the agent who found the account had placed me on hold for over seven minutes to research and had only noticed it after I told them to look for my driver 's license and social security card that was previously submitted. I know what the first agent advised which to send in an updated identification showing my current address and social security number so they could merge the two profiles. I am concerned because, after that conversation, no one at Equifax will even address it. There should be some notation on file of what I was told. If the information I was told was possible, Equifax has no concern to address or investigate the situation. They have allegedly verified these fraudulent accounts and even updated them on my credit report, yet the other credit bureaus took the necessary steps to delete or suppress them. I also reached out to each company and provided them the information. One of the companies even advised they received the request for validation from XXXX and XXXX only and could not produce any required documents. 
To make matters worse, I have disputed all unauthorized inquiries that are dated before XX/XX/XXXX. I made a hard inquiry with XXXX on XX/XX/XXXX, for a secured credit card. The corresponding inquiry is listed on my credit report with an active account. I have repeatedly advised Equifax that I did not authorize the numerous inquiries that are reflected in my profile. Each of these fraudulent inquiries were submitted via online and I have a police report showing that my information has been misused online in the pursuit of online payday loans and bank accounts. There have been variations of my name, address, drivers license and even employment. With the Breach and issues involving Equifax, I am concerned they have become complacent in their verification process and have disregarded or mishandled my requests as well as countless others. I have requested they place a fraud alert on my account and it was processed on XX/XX/XXXX. I DO NOT WANT A SECURITY FREEZE PLACED ON MY ACCOUNT. I do want the accounts and inquiries suppressed, blocked, or deleted according to the Federal Trade Commission Identity Theft Process. 
I have exhausted all my options and have no choice but to file a complaint with the Consumer Financial Protection Bureau. Equifax has made it abundantly clear that my personal information is of no regard to this Credit Bureau. I now require some additional attention to my plight in order to ensure that Equifax is following all necessary guidelines in accordance with the Fair Credit Reporting Act. 
The referenced fraudulent accounts are : XXXX. XXXX XXXX XXXX - {$720.00} Opened : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX ( XXXX XXXX is Collections Agency Assigned ) 3. XXXX XXXX XXXX - {$270.00} Opened XX/XX/XXXX 4. XXXX XXXX XXXX - {$270.00} Opened XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - {$300.00} Opened XX/XX/XXXX I did not authorize nor do I recognize the referenced fraudulent inquiries : 1. XXXX XXXX XXXX, XXXX XXXX. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX Date : XX/XX/XXXX 6. XXXX Date : XX/XX/XXXX, XX/XX/XXXX 7.  XXXX XXXX Date : XX/XX/XXXX 8. XXXX XXXX XXXX. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation