Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: NY
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:
I filed several complaints against Equifax and instead of protecting my rights under the Fair Credit Reporting Act they have done everything they possibly can to make this process more difficult and not address my concerns. I just spoke with an agent at the CFPB who went through my complaint with me and told me that Equifax is NOT correct when they claim a third party was involved in these complaints. The complaints filed all included the correct name, social security number, date of birth and included a police report which also had my identity information listed. I am facing financial hardship because Equifax will not obey the FCRA and process my complaint. All of this is in writing with a record and will be used in any litigation taken against Equifax. As the CFPB can see, the other credit bureau have successfully processed my complaints and disputes without issue. Equifax is alone in this. One would think after allowing my information to be hacked the LEAST they would do is honor my dispute request. Equifax admitted to allowing my credit information to be hacked and has blocked me from using any of their products, even though Ive called numerous times to have been verified successfully with Equifax over the phone. I have attached a copy of two valid government issued photo IDs, a copy of a valid XXXX police report and a copy of a valid utility bill showing my home address as well as the FTC affidavit of identity theft which was electronically signed and dated through the FTC web portal. Equifax, you now have no excuse to not process this complaint in full. I will not re-file this dispute again. If Equifax does not process this complaint to my satisfaction I will have no choice but to pursue litigation and I will aggressively seek the full amount of damages allowed. 

The complaints Equifax closed claiming an authorized third person are : XXXX I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX  XXXX Dates : XX/XX/XXXX XX/XX/XXXX XXXX I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Date : XX/XX/XXXX XXXX I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation