Consumer complaint received 2018-01-08
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX back in early XX/XX/XXXX I called Equifax Credit Bureau in reference to some inquiries on my credit report that should not be there I previously spoke with a Representative earlier in XX/XX/XXXX between XX/XX/XXXX -XX/XX/XXXX regarding same issues and the Rep assure me she was removing the items and told me to allow 30days..well when I called Equifax back in XX/XX/XXXX I was told they do n't remove inquiries and that I will just have to wait 7 years for them to fall off I asked to speak with a U.S Rep at that time and was told I would have to just speak with him because everyone wants U.S Reps and it would be a long hold and he never transferred me I had to call back after rudely being hung up on by Equifax Rep were I then called back and that 's when I finally got the U.S Rep who stated they do n't remove inquiries and that the previous Rep I had spoken with earlier in XX/XX/XXXX was probably just telling me something to get me off the line and told me to call the places where the inquiries were from and have them remove it and was laughing on the phone I just ca n't believe how I was treated on both calls along with all the same items I disputed earlier in XX/XX/XXXX and then put a fraud alert on my credit reporting file & still have all the same items on my credit report still there as well I got nothing just poor treatment from each Rep I spoke with from Equifax the items I disputed was XXXX/XXXX date of inquiries are XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX -XXXX XXXX/rXXXX XXXX date of inquiry XX/XX/XXXX, XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX, XXXX date of inquiry XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX, XXXX date of inquiry XX/XX/XXXX- this is Terrible that I had to result to filing a complaint I expect for this items to be removed immediately due to fraudulent activity I also reached out to XXXX regarding some items that were reporting on my credit report as delinquent and owe which is XXXX XXXX showing as late payments which is not correct I had a credit builder account that I had opened up at the XXXX XXXX that was previously in XXXX XXXX XXXX XXXX grocery store which is now closed down I was making payments to my credit builder account directly at the branch and I was told by a banker their that my payments was being misapplied that it was being coded in the system incorrectly by bank rep which caused it to appear if my payments were being made late/ not made at all I have disputed this item over and over with XXXX and nothing it 's still there hurting my credit it has been updated on Equifax as it is paid and was paid as agreed and from XXXX they completely removed it from my credit reporting file ... I also have a XXXX account showing on XXXX that I owe that I have never had any services through there was previously 2 XXXX accounts on my XXXX Report removed as well as Equifax that were removed and XXXX removed 1 and left the other XXXX on my credit report which b as line the sane account number as the one they removed the one removed was account # XXXX..and the one theft left on my credit report is XXXX and at that time XXXX had me living at address I never resided at which may be how this account was fraudulent made they had me at a XXXX XXXX XXXX along with XXXX XXXX XXXX in XXXX Illinois along with a XXXX XXXX XXXX XXXX XXXX in XXXX that they removed I want XXXX to remove XXXX from my credit report along with XXXX XXXX either removed or updated as paid in full and paid as agreed

Company response to consumer: Closed with explanation