Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ATTENTION Equifax employees : This is NOT, I repeat, this complaint is NOT a request to open yet another dispute. This complaint is directly related to complaint ID XXXX, and the reason it is being filed is because Equifax had failed miserably to even comprehend, let alone resolve, the issues discussed in the original complaint and the interim response I received from Equifax completely ignores 90 % of the complaint content. Equifax 's continued failures and incompetence are hurting me financially in a number of ways, and causing unnecessary stress. I have burned literally DOZENS of hours on disputes, phone conversations with your agents and your consumer affairs, to no avail. I believe I have exhausted my means to resolve these issues with Equifax peacefully, CFPB have also provided no help ( CFPB ombudsman office also failed to return my calls and emails about CFPB 's own dysfunction ), therefore be advised I am currently in the process of scheduling a consultation with an attorney, and I intend to pursue legal complaint against Equifax, for multiple FCRA violations, and I intend to claim actual damages, including court costs, attorneys fees, lost wages and intentional infliction of emotional distress. I also intend to seek punitive damages from Equifax, for malicious conduct and willful negligence. 


Below is a list of issues, this complaint covers - I expect Equifax to address not 1 or 2, but ALL of them, unlike the original complaint XXXX, where 90 % of what I said was bluntly ignored. Be advised I also intend to seek protection from Equifax 's harmful conduct through California Attorney General 's office. 


1. I was denied XXXX  XXXX XXXX credit card in XX/XX/2019due to incorrect Equifax info, which until today Equifax continues to fail to fix. 
2. Equifax is resolving disputes and then 1-2 weeks later, overwrites good dispute results with incorrect, old information - Equifax did this to me SEVERAL TIMES and it has been explained at length to consumer affairs agents. 
3. I had credit inaccuracies taken care of several times by Equifax consumer affairs agents and those corrections were also overwritten days later by incorrect, old information, making many hours I burned on the phone a waste of time. 
4. Equifax voluntarily damaged my XXXX auto loan account by posting false information to it. I NEVER disputed that account, it was in good standing, had no inaccuracies and the creditor themselves never provided incorrect info, which Equifax posted about this account to my credit file. I received a letter from Equifax, where this account was featured in " dispute results '', despite the fact this account was NEVER disputed. 
5. Equifax keeps failing to close personal loan account with XXXX  XXXX XXXX XXXX and shows high balance on it. This account was paid off long ago, and reported by the creditor as " paid off '' and " closed '' long ago. 
6. Equifax has been repeatedly failing for MANY MONTHS to grant me access to Equifax dispute site, preventing me from viewing results of existing disputes, and preventing me from submitting a new one. 
7. Equifax engages in continuous, high volume, email harassment ( every single day, more than 1 email per day ) telling me to check online the results of disputes ( with random, different dispute numbers which I didn't even open ) while at the same time BLOCKING MY ACCESS to the very site, where these emails instruct me to go. I reported inability to access disputes sites at least a dozen times to Equifax agents and consumer affairs, including supervisors. It has been acknowledged to me by one of Equifax supervisors on a recorded line that MANY consumers keep complaining about inability to access disputes site, and yet Equifax does nothing about it. 
8. Equifax is violating federal law, and refusing to provide me with my free annual credit report through XXXX  website - I get a message from that site, saying " online report is not available '' and no explanation why, and no instructions how to regain online access to report are provided. 
9. Equifax consumer affairs agents had been promising to call me back on multiple occasions regarding all of the above issues, and promising to fix access to the disputes website, but they never follow through, and NEVER contact me back about any of the issues, essentially lying to my face every time I call. 

To summarize the complaint : After many months of struggle, after already being denied a credit card application, reporting all of the above issues to Equifax and disputing same credit inaccuracies over and over, through disputes process and through consumer affairs phone agents - Equifax STILL lists incorrect, high balances on several of my credit cards, which have been completely paid off to XXXX, Equifax still refuses to close personal loan, which had been paid off and closed long ago, and Equifax STILL denies me access to disputes website, while at the same time spamming me with multiple emails EVERY DAY, asking to check dispute results on the site, to which they deny me access.

Company response to consumer: Closed with explanation