Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please check the attachment, the Equifax bureau put over 10 inquiries right after I reported this company yesterday.

I reported this to the company. The reason is that there are so many accounts that do not belong to me but put a collection under my social number. On the document attached showing, I have never had any accounts with 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 etc. a huge group of companies from California and Texas two states only plus https : //my.equifax.com/ ( Address : XXXX XXXX XXXX XXXX, GA XXXX ) Pay attention It is very obviously mainly scammers to my report only from California and Texas two states and equifax itself. It is strange or most scammers live in two states and out of management there. 

Second, XXXX - XXXX XXXX, I only had one credit card with XXXX XXXX which was fully paid off a few months ago. two days ago there is a hard inquiry from XXXX - XXXX XXXX again.Current before make a clear of so many inquiries, I am not using any credit card and any accounts which have to use SSN. I want to see where are these come from first. 

Third, XXXX XXXX XXXX even use a different name under my SSN, collect {$230.00} from years. I called my times they said remove but nothing changed and they continuing report to damage my credit. Last year at the end of XXXX I was trying to save my time, I paid them {$230.00} from my XXXX  credit card. During the phone they said if I paid the amount then they will contact to remove. After I paid they still require {$230.00} until this month. XXXX XXXX - XXXX ddi the same as XXXX XXXX XXXX, require {$100.00}, after I paid at the end of XXXX in XXXX, they still require {$100.00} and nothing removed at all for sure. 

Fourth, see how the major spoiler Equifax credit bureau was helping all of these companies to maximize their destructive power. 
I ran credit report last week then found there are delinquencies on it, but nothing showed up on my end. So I signed up for the membership to check more details but nothing showing too, only two other companies ' credit reports. Then 20 minutes later, my account was locked. It shows " please contact XXXX '' I have records from my phone, I called at least 10 times in three days. They usually ended my phone call after they got all the information they wanted. But nothing changed about the false information on my reports. 

Their first question was " what is your social security number '' full ssn number, when i refused to answer then they said they can not verify you. Then the second question is your name, home address, all the details. Since I was hanging up several times then I answered all the questions, but then I still hung up the phone call after all questions were answered. At the end, they asked to upload your personal id to a link. when I was trying the link, uploaded several times, I think all were completed but the site showing '' failed to upload ''. Then the customer service agent is required to turn off your VPN to try again. It is totally a scam. 

But even if you turned off your VPN, their id upload site still shows " failed ''. Then their agents say we can not verify your identity so you can not login to the account and we can not process any disputes. 

The attached is my payment which is verified and paid. This payment is using my personal information and residential address which are all confirmed by the bank. If NOT verified, the equifax how to charge only from my bank but putting all scam collection by using my ssn only but wrong to damage my credit score in a few years. Even though the monthly payment was double charged, I just checked from my bank statements.

Company response to consumer: Closed with explanation