Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has failed to comply over and over again! They have included information in my report for 2 other individuals who are not me. I started an investigation with them back in XXXX and have not received the results or an updated printed report that reflects the changes. We were able to fax them up until the end of XXXX. Since then, they have disabled their fax. My daughter was included in this complaint and did access and did consent. We are disputing together because they have combined our information. They keep sending us letters with pin numbers and passwords that have expired because they're altering the dates that they're generating the letter. The letters may have XX/XX/XXXX20 but the envelope will have XX/XX/XXXX20 for example. WE DO NOT WANT A PIN AND PASSWORD TO ACCESS ONLINE. WE WANT FULL. COKPLETE, PRINTED COPIES MAILED TO US. THESE PEOPLE KNOW DAM WELL THOSE PHONE NUMBERS THAT THEY PROVIDED DO NOT WORK. MY DAUGHTER AND I HAVE CALLED AND KEEP BEING ROUTED TO THE AUTOMATED SYSTEM AND THEN IT EVENTUALLY HANGS UP. THE SUPERVISOR NUMBER LISTED IS A VOICEMAIL ONLY. WE HAVE LEFT MESSAGES! I HAVE ALL OF THE CALLS WE HAVE MADE TO THEM RECORDED. WE HAVE TRIED FOR MONTHS TO GET THESE PEOPLE TO SEND US OUR COMPLETED REPORTS, RESULTS FROM DISPUTE. WE HAVE REQUESTED THAT THE TRANSCRIPTS FROM THE CALLS BE SENT TO US. AS SOON AS WE RECEIVE THEM, WE WILL SUBMIT A NEW COMPLAINT AND UPLOAD THEM HERE. WE HAVE ALSO STARTED THE TORT LAWSUIT AGAINST THEM FOR VIOLATING OUR RIGHTS. I WILL ALSO SUBMIT THAT INFORMATION ONCE IT IS APPROVED BY THE COURTS. WE WILL CONTINUE TO FILE COMPLAINTS AND SUE THEM FOR FALSIFYING INFORMATION. REPORTING INCORRECT INFORMATION. I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. NOW I UNDERSTAND WHY. THESE XXXX  INTENTIONALLY REPORT THE WRONG STUFFBECUASE IT IS HOW THEY GET PAID! I have attached copies of their responses to my previous complaints filed with CFPB. They said that they don't have my daughter 's consent to send her information but they clearly have her name listed on MY report! AND my name listed on her report! MY DAUGHTER AND I RESIDE AT THE SAME ADDRESS! WE ARE DISPUTING OUR REPORTS TOGETHER AT THE SAME TIME TO ENSURE THAT THE INFORMATION IS CORRECTED FOR BOTH OF US! WE HAVE MAILED AND FAXED THESE DOCUMENTS SEVERAL TIMES! XXXX, XXXX, XXXX  AND EQUIFAX ALL CLAIM THAT THEY DON'T HAVE ENOUGH INFORMATION TO ACCESS MY DAUGHTER AND I 'S INFORMATION VIA AN ONLINE COMPLAINT BUT ALL OFTHE SAME INFORMATION IS PROVIDED OVER THE TELEPHONE AND IN THE ATTACHMENTS AND ON THE CREDIT REPORTS THAT THEY SEND OUT! WHAT MORE DO YOU NEED? ONE OF OUR BODY PARTS AND LIMBS? MY DAUGHTER AND I ONLY HAVE THE SAME FIRST NAME BUT YOU CONTINUE TO INCLUDE US ON EACH OTHER 'S REPORT. YOU INCLUDE US ON EACH OTHER 'S REPORT BUT WON'T ALLOW US TO DISPUTE OUR INFORMATION TOGETHER? YOU HAVE US AS ONE PERSON ON EACH OTHER 'S REPORTS BUT WON'T FIX US? WE DISPUTE TOGETHER SO YOU LYING SON OF A GUNS CAN'T DENY THE FRAUDULENT AND INCORRECT INFORMATION THAT YOU ARE REPORTING. MY LAST NAME IS XXXX HER LAST NAME IS XXXX. IF YOU REVIEW THE ATTACHED DOCUMENTS, YOU WILL SEE BOTH NAMES ON ALL OF OUR REPORTS! YOU HAVE US MIXED UP AND COMBINED! FIX IT NOW! FIX IT NOW! FIX IT NOW! BEFORE 2020 ENDS YOU WILL HAVE MULTIPLE LAWSUITS FILED AGAINST YOU FOR INTENTIONALLY REPORTING THE WRONG INFORMATION AND INTENTIONA ; LY FAILING TO RESOLVE IT! This company has failed to comply over and over again! They have included information in my report for 2 other individuals who are not me. I started an investigation with them back in XXXX and have not received the results or an updated printed report that reflects the changes. We were able to fax them up until the end of XXXX. Since then, they have disabled their fax. My daughter was included in this complaint and did access and did consent. We are disputing together because they have combined our information. They keep sending us letters with pin numbers and passwords that have expired because they're altering the dates that they're generating the letter. The letters may have XX/XX/XXXX20 but the envelope will have XX/XX/XXXX20 for example. WE DO NOT WANT A PIN AND PASSWORD TO ACCESS ONLINE. WE WANT FULL. COKPLETE, PRINTED COPIES MAILED TO US. THESE PEOPLE KNOW DAM WELL THOSE PHONE NUMBERS THAT THEY PROVIDED DO NOT WORK. MY DAUGHTER AND I HAVE CALLED AND KEEP BEING ROUTED TO THE AUTOMATED SYSTEM AND THEN IT EVENTUALLY HANGS UP. THE SUPERVISOR NUMBER LISTED IS A VOICEMAIL ONLY. WE HAVE LEFT MESSAGES! I HAVE ALL OF THE CALLS WE HAVE MADE TO THEM RECORDED. WE HAVE TRIED FOR MONTHS TO GET THESE PEOPLE TO SEND US OUR COMPLETED REPORTS, RESULTS FROM DISPUTE. WE HAVE REQUESTED THAT THE TRANSCRIPTS FROM THE CALLS BE SENT TO US. AS SOON AS WE RECEIVE THEM, WE WILL SUBMIT A NEW COMPLAINT AND UPLOAD THEM HERE. WE HAVE ALSO STARTED THE TORT LAWSUIT AGAINST THEM FOR VIOLATING OUR RIGHTS. I WILL ALSO SUBMIT THAT INFORMATION ONCE IT IS APPROVED BY THE COURTS. WE WILL CONTINUE TO FILE COMPLAINTS AND SUE THEM FOR FALSIFYING INFORMATION. REPORTING INCORRECT INFORMATION. I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. NOW I UNDERSTAND WHY. THESE XXXX  INTENTIONALLY REPORT THE WRONG STUFFBECUASE IT IS HOW THEY GET PAID! I have attached copies of their responses to my previous complaints filed with CFPB. They said that they don't have my daughter 's consent to send her information but they clearly have her name listed on MY report! AND my name listed on her report! MY DAUGHTER AND I RESIDE AT THE SAME ADDRESS! WE ARE DISPUTING OUR REPORTS TOGETHER AT THE SAME TIME TO ENSURE THAT THE INFORMATION IS CORRECTED FOR BOTH OF US! WE HAVE MAILED AND FAXED THESE DOCUMENTS SEVERAL TIMES! SO BEFORE YOU LIE AND SAY THAT WE ARE NOT COMBINED OR REPORTING ON EACH OTHERS REPORTS, REVIEW EVERYTHING THAT IS INCLUDED! I HAVE UPLOADED BOTH HER DOCUMENTS AND MINE! HER REPORTS AND MINE! HER DISPUTE LETTERS AND MINE! NEXT COMPLAINT WILL INCLUDE LEGAL DOCUMENTS TO SUE! SHE INCLUDED IN THIS COMPLAINT! SHE HAS FULL ACCESS! WE AGREED TO FILE IT TOGETHER SO THAT IT WILL HELP RESOLVE OUR ISSUES TOGETHER!

Company response to consumer: Closed with explanation