Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have proof of more harassment by Equifax employees. I have previously reported, in at least 3 separate complaints to the CFPB different incidents regarding Equifax and my credit report. I have proof that they have tried to botch my credit report to prevent me from obtaining credit, which may have played a role in a recent credit denial I received. This has caused monetary loss, as well as pain and suffering for the months I 've been harassed by them and tried to get help from agencies to not much avail. I want this to be public so that if other people besides me are experiencing this, they know they 're not alone and that perhaps we can file a class action at some point. <P/>To begin, Equifax has added to three different accounts a consumer statement that I DID NOT add or tell them them add. I did not know this was even legal. If it 's not, then I 'm wondering why something has not been done about this already. Since when can they add a consumer statement that is n't from the consumer? It 's clear in black in white that the statement they 've added is even gone so far as to be in third person. Saying " consumer disputes this information ''. Which means they are clearly writing on BEHALF of me without my permission. Please ask Equifax where the records are of me asking them to write " consumer disputes this information '' on all the accounts they 've placed it on. What concerns me the most is that they 've added this statement to an account in good standing, in which I 've never had any issues with. It is my understanding that if something is under a dispute it will not show on a credit report. If this is the case with this, legal action should be taken, or something absolutely should be done. This would prove that they are trying to prevent positive/accurate information from showing on a credit report by their own statements they 've added. I did n't add the statement, they did. It 's even in third person, it ca n't be denied. Even if it is still showing on my credit report and I 'm mistaken, that makes it seem like the information on that account is incorrect or something is not right about it. This is not the case. One last time, I would swear under penalty of perjury that I have NEVER disputed the information on this XXXX XXXX account. Nor have I added any statement to it. They added this statement without my permission. <P/>Please ask them where they got this information from. Please do something about this. They need to remove all 3 instances of this from my credit report, because they have no right to add any consumer statement without my permission. They do not have my permission to add any consumer statements that they wrote. Only statements that I have submitted MYSELF, written MYSELF, and asked to be put as a statement MYSELF. I 've attached a screenshot of my online report. In addition this statement also showed on the paper report mailed to me, which is how I first found out about it.

Company response to consumer: Closed with explanation