Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi. 
I was a victim of the Equifax Breach. Because of this breach, my identify was stolen and used fraudulently in XX/XX/XXXX. The person who got my information opened up a fraudulent Credit Card in my name and spent XXXX dollars at XXXX on XX/XX/XXXX. They changed my occupation 3 times in one month. They also used some of my information at XXXX to insure 2 cars. They also applied for several auto loan for a XXXX XXXX XXXX ... 13 different times. Thus resulting in 11 hard inquiries on my equifax report, 1 on my XXXX  report, and 1 on my XXXX. 
XXXX has already resolved the hard inquiry. Also XXXX has notified the other credit agency about the credit card and it is currently under investigating. 

My problem is with equifax and the run around they have given me to remove the hard inquiries from my equifax credit report. They haven't been supportive at all and different representatives have given me different information. 

1 ) On XX/XX/XXXX i contacted equifax to discuss the proposes of the disputing the hard inquires. I spoke to a lady who informed me that I had to reach out to the 11 different banks or car dealerships to have them remove the inquiry from my credit report. When I was restating that I had to contact all 11 business and how i didnt think that was right since I don't know how to tell them to remove the inquiry nor think it is fair to spend all that time when I am a victim of their credit breach. The representative was so rude she actually said, " well you only have to reach out to 10 since two of the inquiries were the same bank ''. 
2 ) On XXXX XXXX I began to reach out the dealerships. Some of the dealerships said they will call or fax equifax on my behalf. Others were confused by the call. XXXX XXXX told me that they couldn't proceed with removing the inquiry until they heard from equifax. Thus putting me between a rock and a hard spot. 
3 ) XX/XX/XXXX, I spoke to a man at XXXX XXXX XXXX ( one of the companies who pulled my credit ) about the situation. He said he was contacting equifax to get the information removed. He also sent me a picture of the fake id that was used to apply for the auto loan. 
4 ) XX/XX/XXXX, Spoke to ally financial and they sent me a reference number of the documents that they sent to equifax. 
5 ) On XX/XX/XXXX, contacted equifax about the troubles I have been having. The man I spoke to told me to fax the police report and identify theft report to this fax number and they will reach out to the companies. 
6 ) On XX/XX/XXXX, faxed police report, ID theft report and letter notifying them off what dispute I was referring to and the confirmation #. I received a transmission notification that they received my fax. 
7 ) On XX/XX/XXXX, received correspondence from equifax stating my dispute results are complete. In the results, all that was listed was the information regard the 11 different agencies that pulled my credit. 
8 ) On XX/XX/XXXX, a lady from hometrust bank contacting me notifying me that she submit that required documentation to equifax about the hard inquiry. 
9 ) On XX/XX/XXXX, I called equifax to confirm that documentation from myself and the above mention agencies documentation had been received and steps were being made to remove hard inquiries off of my report. The lady informed me nothing has been added to my account ; therefore, nothing they can do. The lady asked what number i faxed the documents to. I told her the number and the guy from the phone call on XX/XX/XXXX had provided me with. She told me that I would need to fax her the information because they have a different fax number. I refuse to fax and spend more time and money to send the same documentation to the same company. Especially when they were the ones who has caused this mess in the first place. 

Therefore no steps have been made to remove any hard inquiries off of my report. They have been given me the run around for 2 weeks. They have told me different ways to dispute the inquiries and I cant do anything to make the case move forward. Please help me remove this off of my report. I also have tried to login in several times to check the status of my disputes and their online system doesn't work tell me that i have been timed out or they cant process my information at this time.

Company response to consumer: Closed with explanation