Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I sent all 3 credit bureaus a certified package that contained a letter of explanation/Affidavit, a copy of my ID, SS card, identity theft letter from Texas Department of Motor Vehicles, electricity bill to further prove my identity, TWO police reports in which one named a suspect and a Federal Trade Commission report in which ALL items were notarized. Equifax that was signed for on XX/XX/XXXX. 

Around XXXX, I started disputing items ( first their first appearance on my report/when they had positive standing ) and had no prevail. During that time I flagged my SS number and was issued another card but didnt qualify to apply for another number as the amount of debt wasnt significant enough, I also notified TDPS in which they flagged my ID number and issued me another ( which had the same identifying numbers as the one stolen ), I even put extended fraud alerts on ALL 3 credit bureaus reports that last approximately 7 years. Nonetheless fraud activity continued to happen using my social. I have explained to numerous entities that someone was actively using my information and living as me, they have gotten apartments, bank accounts, loans, and jobs and even filed taxes using my information. In XX/XX/XXXX, it was suggest by XXXX Police identity theft division that I file a FTC report because as a consumer and per FCRA 605 B rules, I have the right to remove fraudulent information from my report through the blocking method. FCRA 605 B states that the credit bureaus must honor the request and block the information as well as such information cant be re-reported nor can companies attempt to collect the debt any longer. All credit bureaus except Equifax adhered this FCRA rule! 

Since the acknowledgement of the FTC report in XX/XX/XXXX, I have filed two CFPB complaints in which their only response was they are working on it. I have received a letter stating I needed to contact Equifax XXXX as they couldnt find my profile! I called on XX/XX/XXXX, first the agent tried to act as if she couldnt find my file, then she tried to act as if there were no FTC reports on file, then she tried to act as if the accounts in question were already deleted and once she got tired of me proving her wrong she finally transferred me and spoke with XXXX in consumer affairs that explained Equifax had two system THEREFORE I HAD TWO FILES and everything for my file didnt transfer to the new system and I was told that the accounts had confirmation number to be deleted so she didnt know they werent deleted and she put in a request for deletion and she also had me to resend the FTC reports via secured email to open MORE disputes. Approximately a week later, I spoke with Ms. XXXX, who also confirmed that the accounts had codes for deletions and she didnt know why they werent being deleted, I stayed on the phone with her for over an hour, so long she offered to call me back after she figured out why the accounts werent deleted, however she never returned my call. On XX/XX/XXXX I called and spoke with a lady who claimed to be a Supervisor, after refusing to transfer me to a supervisor. And she stated that the accounts were removed in XXXX but put back on ( violation of FCRA 605 B rule ) because the companies confirmed they were my accounts, when I asked her to send me the proof as in accordance to FCRA rule section 11 ( a ) ( 6 ) and ( 7 ), the consumer has the right to request method of verification and that the bureau has 15 days to furnish their evidence, she then told me she couldnt I had to ask the company, which is not what the Rule states, it states the reporting agency must provide proof! At this point the Supervisor began over talking me as I was stating what the rules are and pointing out that she was giving me false information, she then begin stating she can only put the accounts into dispute which is a violation of FCRA rule FCRA 605 B clearly states that the credit bureaus must honor the request and block the information not put it into dispute! Miraculously the phone disconnected so I called back and then spoke with a man who claimed to be unable to verify me, although I correctly gave him numerous accounts, dates, payments, and personal information as it appears on my current Equifax report and after he made the statement that he seen I called earlier. 

Continuing to disputes these fraud accounts are not only redundant but are in violation of FCRA rules. REFUSING to furnish me with proof of validation since the accounts were once said to be verified, then removed, then placed on again because they were verified is a also a violation of FCRA. These accounts have been proven numerous times, formally and legally, to not be mine, yet Equifax will not remove them.

Company response to consumer: Closed with non-monetary relief