Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is in response to previous complaint where I was given a response that was not correct here are some of the issues that were in the response. I have spent on one occasion 7.5hrs between being on hold and speaking to numerous representatives about my issues. I have also requested reviews of certain calls where statements and promises were made and not documented. Equifax has claimed that documents sent by the cfpb as attachements were not included and could not be read which is questionable seeing that previous complaints Equifax has been able to read the attached documents without issue ... I am attaching the documents again with this complaint and additional documents refuting the false statements made in the companies last response .... 


1. The statement XXXX XXXX and XXXX XXXX are not duplicated accounts, but are two different entities entirely made in response to on ( date ) is entirely false. I have included documents establishing that XXXX XXXX has completed a merger with XXXX XXXX and has as a result taken the name XXXX XXXX aka XXXX XXXX. The account XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX are indeed the same entity and the same account. The variation of the account number is simply a rouse to continue to report this fraudulent account. 

2. I have questions regarding the statement that Equifax has contacted XXXX XXXX directly. If XXXX XXXX  had been contacted regarding this matter and my concerns they would have verified the merger with XXXX XXXX and the relationship of this fraudulent account that had previously been removed by XXXX XXXX XXXX What information was verified, did any specialized department that reached out to XXXX XXXX, establish and review any evidence that I have a relationship with XXXXXXXX XXXX  and the account. Contrary to the report by Equifax, XXXX XXXX has no contract, agreement or any other paperwork indicating any relationship with them or the account that has been falsely posted to my credit file. 

3.Through communications with Office of consumer affairs from XX/XX/XXXX and XX/XX/XXXX I was advised from a male representative that once the prerequisite paperwork was properly completed and submitted that I could call back and anyone would be able to request to block the fraudulent account. On XX/XX/XXXX I spoke with a female representative from the office of consumer affairs and I was specifically told that she sent a request to a fraud department to block the fraudulent information. I have requested that phone calls ( audio recordings ) be reviewed as the notes on my file do not represent what was told by the representatives I have spoken with. I submitted 5 separate files/documents on XX/XX/XXXX through the cfpb website which included the following passport, social security card, XXXX energy power bill, notarized ftc affidavit, and XXXX deletion results of this account. There were previously documents sent through this platform that were attached and readable by Equifax on at least 3 occasions prior to XX/XX/XXXX. The documents sent XX/XX/XXXX and uploaded in Equifax system XX/XX/XXXX for some reason were attached but everyone from Equifax claims that they cant see the documents. Although previous submissions they have been able to see without any problems. On XX/XX/XXXX I received an email notification at XXXX from XXXX with this message We are continuing to process your recent dispute ; as a reminder, it may take up to 30 days to complete your dispute from the date you submitted to Equifax. Your estimated completion date is XX/XX/XXXX. We will continue to keep you posted on the status of your dispute by sending periodic email notifications. The confirmation number XXXX. When calling in on this confirmation number several Equifax representatives have stated that the number pulls up the report but there is no investigation. Equifax has given a confirmation number but no investigation or request to block this fraudulent account is attached to this email. 

The attached documents include 3 separate files documenting the merger of XXXX XXXX and XXXX XXXX ... .. the necessary documentation that contrary to Equifax response that XXXX  XXXX   and XXXX XXXX are not two separate entities but they are the same entity and this account is not a different account. 

An Equifax report from XX/XX/XXXX with the fraudulent accounts ... .before the companies removed them from the other bureaus including Equifax XXXXXXXX XXXX XXXX which was removed due to fraud. 

My passport ... social security card .... Utility bill I have also included a notarized ftc identity theft affidavit identifying the fraudulent account.

Company response to consumer: Closed with non-monetary relief