Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX I filed a complaint with consumer financial protection bureau dba CFPB. In my complaint I addressed several issues that were CRYSTAL CLEAR. My complaint was the fact that Equifax stated they verified this erroneous Bankruptcy that is reporting on my credit report, along with this address that I disputed which is : XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX which is no address of mine. Equifax removed the Bankruptcy and the erroneous Bankruptcy that did not belong to me. I also disputed the fact that Equifax removed accounts that they should not have and reinserted the address and the Bankruptcy that Equifax removed due to my dispute prior. My credit and credit score is RUINED at this point which is affecting my APR for my home loan that I am pre-qualified for. Equifax had a major breach and there is A LOT of things wrong with my credit report. Equifax has me confused with someone in Ohio. I have sent Equifax documents numerous times. Those documents included a copy of my passport, my current utility bill from Nevada, a copy of a letter from XXXX XXXX stating that my file with them has been frozen for quite a while due to fraud. I even contacted XXXX XXXX which I stated in my last dispute with CFPB complaint number XXXX. Today, XX/XX/XXXX I received an alert from XXXX XXXX that Equifax has reinserted a address that they removed and reinserted the Bankruptcy that was removed. Equifax reinserted XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX. All accounts that do not belong to me. I disputed these accounts with Equifax prior and Equifax removed them. Equifax did not address my issues/disputes. Those accounts in dispute is not my name they have different last names this I know because I called the original creditor and they would not give me any information because I could not give them the last name that is in there system. All the accounts in dispute and the bankruptcy relates to the address that DOES NOT belong to me, which is the XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. E-Oscar is not a form of contacting the original furnisher. I also exercised my rights under FCRA 611 ( a ) ( 7 ) to  request a complete description of all methods used to investigate my aforementioned dispute. Equifax rely on an automated third-party system called E-Oscar. Which clearly says that there is no human effort actually applied during the course of their investigation. Equifax has removed my employment which is XXXX and XXXXand put in place XXXX XXXX which is not my employment and never was. I am a Nevada resident and have been since XX/XX/XXXX. Equifax has taken off my XXXX XXXX Credit card, my XXXX account, and my XXXX   XXXX XXXX account. This need to rectified asap! Please do not disregard the problem at hand! DO NOT SEND ME A LETTER STATING YOU DO NOT UNDERSTAND MY COMPLAINT. I HAVE MADE MY COMPLAINT CRYSTAL CLEAR. FIX THE PROBLEMS IMMEDIATELY AND SEND ME AN UPDATED CREDIT REPORT AND SCORE IMMEDIATELY! I HAVE SENT DOCUMENTATION NUMEROUS TIMES. I SENT THIS VIA CERTIFIED TO BUILD A TRAIL JUST INCASE I HAVE TO SEEK LEGAL REPRESENTATION!  BE SMART AND DO THE RIGHT THING SO YOU ( EQUIFAX ) DO NOT GET SUED!

Company response to consumer: Closed with explanation