Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I realized that my computer data has been breached by Cyber Hackers. All personal and financial data must be stolen for years long ago before I detected my credit files got devastated. I reported to all Credit Report Agencies and involved Bank Card Creditors that I am a victim of Identity Theft and enclosed the listing of compromised accounts or fraudulent accounts illegally opened by thieves. The document are also included FTC reports, Police Reports, FBI IC3 reports, Victim Complain and Affidavits from Sheriff Dept as well as my authenticated personal information. 
After 90 days of trying of solving problem, I gradually making good progress in clearing my status from derogatory files of XXXX and XXXX Agencies. However, I am still having hard times with Equifax for disputing 2 fraudulent accounts which allegedly opened from XXXX XXXX XXXX in Virginia since XXXX. It is showing Charge-off status in Equifax reports. 
In the first place I disputed those accounts with XXXX in XXXX, XXXX but they informed me the account had been sold to new debt owner/ Collector who is XXXX XXXX XXXX ( XXXX ), XXXX . I was advised that all my correspondence should be rerouted to XXXX and XXXX has no more responsibility of taking care my disputes. I acknowledge the changes and started dealing with XXXX XXXX XXXX ever since. The process for reinvestigation was started again with XXXX, XXXX for another 30 days. 
In XXXX XXXX XXXX XXXX XXXX XXXX declared the result of investigation by mails. They concluded 2 aforementioned accounts are fraudulent accounts, would be closed, and they already sent out the requests for DELETE those from all CRAs. The changes should be affective within 60 days since the dates of informed letters. They re-confirmed by mails again on XXXX with similar content of previous mail in XXXX. 
I saw the removal of inaccuracy reports from XXXX and XXXX as expected times, but there is not any changes from Equifax though I forwarded my copies of XXXX to readdress the Equifax. 
In XXXX XXXX I inquired Equifax about this issue. Unfortunately, I found that Equifax mishandled my files when they had forwarded my Removal requests back to XXXX for reinvestigation!!! 
It took several times back and forth when we discussed on phone about proper process as it should be but Equifax team seem not rescind or have attention of fixing this for me. I believe they should have removed the fraudulent accounts from my reports as XXXX and XXXX already did when XXXX, XXXX having final conclusion of investigation. ( By the way Equifax refused take conference calls of all parties, to listen to XXXX confirmation of not handling my disputes when they already claimed the accounts were sold to new owners. ) I think I ve been waiting long enough and have sent many mails about a prominent lawsuit if Equifax keep ignoring my complains ( attached are my letters sent to Equifax with Post Office confirmed receipts ) After reporting to CPBB, I would go forward to file a lawsuit with General Attorney Office with demanded compensation if I dont hear the proper response from Equifax. Hopefully, Equifax soon launch a satisfactory solution before too late.

Company response to consumer: Closed with explanation