Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: TX
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:
Equifax Data Breach XX/XX/XXXX and Incorrect accounts on my credit report. I am a victim!
A Huge security breach at credit reporting company Equifax has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MID MAY TOXX/XX/XXXX AND EQUIFAX IS JUST NOW MAKING THIS PUBLICXX/XX/XXXX.
Unlike other data breaches, those affected by the breach may not even know they 're customers of the company. Equifax ( EFX ) is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT!
The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents.
Equifax has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the U.K. and Canada were also impacted, but Equifax has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to " personal identifying information '' on about 182,000 U.S. customers.
I have been disputing incorrect accounts on my credit report since XX/XX/XXXX and Equifax did not notify me in the mail stating that my personal information and dispute records were breached. Equifax jusst informed the public XX/XX/XXXXwhen this unauthorized and breach happened in mid-XX/XX/XXXXand XX/XX/XXXX Equifax confirmed and claimed that the criminals " exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing.
Equifax is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything Equifax has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS EQUIFAX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE EQUIFAX FOR A SUBSTANTIAL AMOUNT OF MONEY.
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? EQUIFAX DOES NOT KNOW!
As a Secured Party Creditor I will be filing the following against Equifax : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. EQUIFAX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
The following accounts are incorrect and have been paid in full and should of been deleted off of my credit report before and during the DATA HACK ( mid-XX/XX/XXXX -XX/XX/XXXX ) XXXX XXXX XXXX XXXX total amount due {$19000.00} - Confirmation of paymentXX/XX/XXXX # XXXX. Amount paid in full. Item is showing current when it has been on credit report more than 7 years. Date openedXX/XX/XXXX. Activity was considered fraudulent Equifax did not notify of data breach during disputes.
XXXX XXXX Amount past due {$120.00} account was paid in full an d should of been deleted months ago after Equifax ignored my disputes. - Equifax did not notify me of any data breach.
XXXX XXXX XXXX XXXX XXXX XXXX Amount due {$45000.00}. Account is closed at consumers request and has been on my credit report since XX/XX/XXXX This item needs to be deleted and paid in full. Confirmation numbers of payment in full : XXXX - {$9900.00} | XXXX {$9900.00} | XXXX  {$9900.00} | XXXX {$9900.00} | XXXX {$990.00} XXXX  {$9900.00} - The amount has been paid of sinceXX/XX/XXXX. I reported fraudulent activity to Equifax did not notify me of data breach during documented disputes.

Company response to consumer: Closed with explanation