Consumer complaint received 2019-01-05
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: Information belongs to someone else

Complaint:
Let me start out by saying I have attempted to contact Equifax on numerous occasions by phone, by email, by fax, and also by mail. In addition to my numerous complaints against EQUIFAX. Equifax continues to re apply fraudulent accounts to my credit file, Additionally Equifax has been notified I should not have dual credit files, they advised me there is a split file and they have two files. The latest time I called in to advise them of the Identity theft that has occurred they just ignored me and said that I needed to verify these fraudulent accounts were mine or they were going to hang up. I advised them these accounts are not mine they are a result of identity theft after my wallet was stolen which contained my Drivers license and Social Security card. In addition these institiuions have already been notified of the fraud and it's EQUIFAX who refuses to follow law 602 ( B ) Which states if you are a victim of identity theft you have the right to request that information be blocked from your credit file as long as you provide proof of identity and proof of actual fraud from a Law Enforcement officer. Which was provided in an Identity Theft Affidavit that was sent TO EQUIFAX. Again Equifax will block these accounts and then two months later unblock them and state they verified the accounts as accurate. They provide no proof, no documentation and once again Lie. Equifax is the only one not following the law put in place by the FTC and by the Consumer Financial Protection bureau and FCRA for victims of Identity theft. They refuse to assist. 

I do not have accounts with XXXX XXXX XXXX XXXX XXXX ( AKA XXXX ) I do not have a XXXX XXXX Account which also shows on my EQUIFAX REPORT ONLY. In addition, I do not have a XXXX XXXX XXXX XXXX account this again is fraudulent. The card was sent to a address that was fraudulent and the instituion advised me of this. The Address it was sent to was XXXX XXXX XXXX XXXX, TX XXXX. Again not my address never was my address. In addition to that there also is a XXXX XXXX Account which Equifax was advised was fraudulent Equifax again blocked the account for 1 month and then later unblocked the account. This is still Identity Theft, and I did not authorize these accounts to be open. These accounts only were opened after my wallet was stolen with my identification. In addition to these accounts. There is also a fraudulent XXXX XXXX XXXX, This was actually verified as fraud and equifax deleted this account, But then allowed XXXX XXXX XXXX to re add this account, XXXX verified the last payment was from a XXXX XXXX, This is not my name and obviously not my account. I did not authorize this account. I do not work at XXXX XXXX which the account was applied with. XXXX has also placed accounts on my Equifax File only. I do not have a XXXX Personal Loan. I am not in the military never was, there is no way to join XXXX unless you are in the military all XXXX accounts that show on my EQUIFAX File are fraudulent. I want this fraud resolved now. You are damaging my Credit File due to the fraudulent accounts. These accounts were not authorized by me. I did not sign any membership agreements, I did not go into any of these locations. I do not owe these insitituions because again this is Identity theft. These accounts only started opening after my ID was stolen. I did not ever recover my ID. I advised Equifax of this yet they refuse to block the Fraudulent accounts.

Company response to consumer: Closed with non-monetary relief