Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: LA
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:
I have written to Equifax on more than once occasion, via certified mail, disputing information that I do not recognize, and are reporting inaccurately on my credit report. It has been documented with Equifax, and the other credit reporting agencies, that I have been a long-term victim of fraud and identity theft, therefore, I would like to escalate this matter through the proper channels, such as the CFPB, and others, especially being that I have not been receiving the proper support from the Credit Reporting Agencies . All of my letters have been received according to tracking from the United States Postal Service, and nothing was done about these matters! I have included proof of delivery for my most recent letter to them. First, I would like to correct and update my address on file. The one and only address that should be on file is " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX ''. I included the most recent copy of my utility bill. Secondly, there is one remaining item reporting that I wish to dispute, -and I do NOT consent to E-Oscar : XXXX XXXXXXXX XXXX XXXX. Not only do I not recognize this company, I noticed that there are several inconsistencies as to what is being reported. I purchased my tri-bureau credit report, and noticed that the information being furnished by this company is inconsistent. I understand that my credit report must reflect with 100 % accuracy and truthfulness, which it is not! I have reached out to this company requesting documentation to support the information that they are furnishing via certified mail, and just like Equifax, they have not responded, -although my letters have been received. The burden of proof is now on the furnisher. I have requested that this company provide me with any original contracts which they may have that bare my unique signature, proving that I engaged in commerce, as well as any clear and conspicuous disclosure forms that bare my unique signature, reflecting that I opted into credit reporting. I have not received either or. I also requested a full ledger supporting any balances this company is claiming that I owe to them so that I may review and cross reference that information with my bank accounts. This request is due to the credit bureaus reporting different amounts, as well as the incomplete and or " unavailable data '' portion of the payment history section of my credit report. Also, how can someone be XXXX, or even 180 days late multiple months in a row? This company is reporting on time payment, then 120 days late, then an on time payment, whereas, XXXX is reporting, 180 days late two months in a row! These things do not make any sense! I do not intend to be difficult, but as I have mentioned previously, I have been a long-term victim of fraud and identity theft, therefore I must do my due diligence with any company that claims that I owe a debt to them. Companies have been wrong in the past, and due to these events, I am inclined to believe that I am not the responsible party for this debt, therefore demanding the immediate deletion of this item from my credit report. Lastly, I would also like to request the dispute and deletion of the following inquiries : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as these inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit. Equifax has been made aware of all of the information contained in this complaint, and continued reporting this information.

Company response to consumer: Closed with explanation