Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have had MULTIPLE issues since last year with consistently monitoring my utility bill statements from seemlngly multiple payments on the same accounts, receiving bills that were inconsistent with the last amount, making payments that I know I have already made, someone changing my security code on a billing statement & making unauthorized changes to my account resulting in higher bills or possibly even opening multiple accounts that I knew nothing about. I have been blocked from receiving phone service because someone else was using my identity to enjoy the phone service that I did not authorize in addition to loosing my phone # that I had for years to this situation after they disconnected my phone & told me their was a conflict of interest in the address being used. I have just confirmed on yesterday after months & months of trying to track proof down while visiting the bank almost bi-wkly ( causing me to loose work time & very inconveniencing ) trying to figure out what's happening to my money that I KNOW I BUDGET WELL HOWEVER, someone knows how to cover their tracks really well, with making transfers & using my card # to consistently making purchases. I have made multiple attempts to do lost/transfers to my accounts to try & stop the inconsistencies but before I know it, the same thing happens again on the new account. It has cost me to feel like I am about to go crazy as I constantly feel violated & have pushed close people away from me as it's hard trusting anyone now because I felt like someone close to me had my information using it when turns out equifax has breached contracts & allowed public information to be exposed so now I don't know who's robbing me & violating me. I've had to pay for a XXXX XXXX for my mail as I feel unsafe getting it comfortably at my home address thinking someone was getting my mail out & getting my information. In addition, my emails had been violated as well so I'm afraid to send personal information ( as I feel they are being either rerouted or viewed ), make payments online or even use my personal telephone to handle bills or personal issues as I feel like my phone, email accounts are being monitored & violated which is also VERY INCONVENIENCING to have to take additional time to go to a library, or use a neighbors phone to do things I can do in the comfort of my own home or with services that I pay for. I am a business person so I can't change certain things like email, business phone number, etc as I have things established long term. This is really unhealthy for anyone 's state of mind as you are trying to live a day to day life & also make time to play detective to figure out what the XXXX is going on with your money that you KNOW you didn't spend & trying to prove to a bill collector that you didn't authorize a change, or that it is YOU, when someone has the same information you have to put up the same argument as if they are you! I am attaching a police report of proof of someone else using my info to get a phone account that is currently still open since XX/XX/2017 in  my name.

Company response to consumer: Closed with explanation