Consumer complaint received 2019-02-03
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I reported to XXXX  fraud and forgery on Promissory Notes on four ( 4 ) Tuition Answer Loans associated with XXXX XXXX. Today, I stand firm on my claim that the signatures on these Promissory Notes attaching me as cosigner are not mine, were forged without my knowledge or consent and were concealed discovery in XX/XX/XXXX. Immediate actions taken in XX/XX/XXXX included : notifying law enforcement, filing a fraud complaint with XXXX and providing supporting evidence. XX/XX/XXXX states that these Promissory notes contain my personal information. That is also untrue. References used in obtaining these loans are that of siblings of the Primary Borrower and no other personal information of mine is located on these documents. XXXX  prior responses state that the Promissory Notes bear my Social Security number. While that may be true, again, this information was used without my knowledge or consent. Other XXXX responses state that I was previously sent letters communicating approval of these loans. To date, the only documents I have personally received from any entity ( including XXXX  ) regarding these loans are copies of the original Promissory Notes which contain forgeries of my signature which spawned my fraud complaint. XXXX has also stated that other documents exist regarding these loans such as approval letters, financial institution information and endorsed checks. XXXX has refused my request for this information which indisputably supports my claim of fraud, forgery and identity theft. Additional XXXX  responses also state : We had no reason to believe the cosigner information listed on the loan was not valid because our letters were not returned. That statement makes absolutely no sense as these loans were concealed. Only to be discovered by me in XX/XX/XXXX. However, I did respond to XXXX Client Advocacy group in XX/XX/XXXX after my case was unilaterally closed by XXXX Fraud Dept. That closure was made without any explanation to me as to their findings in this matter. As of today, XXXX has not provided me with any information regarding how they investigated this fraud complaint, their investigation methodology, any information gathered or how they even arrived at their finding. My numerous responses after this case closure clearly and consistently dispute XXXX fraud investigation findings. Additionally, XXXX responses state : XXXX did not advised that your claim was false, we merely stated we were unable to confirm your claim. That statement makes absolutely no sense nor supports why XXXX continues to hold me responsible for loans acquired with documents that do not contain my true, valid signature. XXXX has also stated : XXXX  is not an investigative agency, nor do we have the authority to use any additional means to support your claim. This statement contradicts XXXX other statements, further confuses this issue and do not support XXXX position holding me responsible for these loans. Additional XXXX responses also state : Our Fraud and Loss Prevention Unit has thoroughly reviewed your claim and was unable to confirm fraud was committed. Again, XXXX claims to have made a thorough review while stating they are NOT an investigative agency. Therefore, XXXX can not hold me responsible. Additional XXXX   responses state : We can not provide you with correspondence sent to or received from another person as it may contain non-public information, as well as being sent in confidence It is the intention of every criminal to make every attempt to conceal their crimes. If XXXX possesses information or statements from parties ( other than me ) that aided XXXX in arriving at a conclusion about my fraud complaint, then XXXX possesses evidence of false statements about these loans which they are unwilling to share. This further concealment of this criminal activity also directly contradicts XXXX prior statement of : Use of another persons identity without that persons consent to obtain goods or services is a crime, and we take allegations of identity theft very seriously. XXXX actions and responses do not support that statement. XXXX is concealing information tied to criminal acts of forgery and identity theft which XXXX continues to victimize me. These actions have destroyed my credit, subjected me to collection activity and threats of legal action by XXXX. XXXX position disregards factual evidence, is purely financially driven and with no regard for the truth. I am requesting XXXX release me from any responsibility associated with these loans and expunge all references of these loans on my credit report via all Credit Reporting Agencies. Again, XXXX can not confirm that my true, attested, valid signature exists on any documents associated with these loans.

Company response to consumer: Closed with explanation