Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
Was not notified of investigation status or results Difficulty submitting a dispute or getting information about a dispute over the phone XXXX has testified many times before Congress, including before your agencys Committee, on the need for reform of the credit reporting system to address issues such as : - unacceptable error rates and the myriad types of systemic inaccuracies in credit reports ; - the travesty of the automated dispute system used by the credit bureaus ; - the absurdity that credit reports and scores treats consumers who have fallen on hard times as irresponsible deadbeats ; - systemic racial disparities in credit scoring ; - the unfair impact of medical debt on credit reports ; and - the problems with use of credit reports for employment purposes. None of them have been adequately addressed despite decades of efforts by federal and state regulators, state legislatures, and consumer advocates. Moreover, we added a new problem to address in XXXX, the deficiencies in data security that led to the massive Equifax data breach, which also has not yet been adequately addressed.

For the last Ten Years, I have been trying to reason let alone tolerate the massive incorrect info this horrible credit bureau Equifax has been posting on my personal credit report. With, Equifax paying this unknown scam of a company called XXXX Score that keeps placing UNFAIR negative credit scores and inaccurate info on to my credit file. 
I XXXX XXXX XXXX has no idea why these two filthy companies want to stop me from becoming successful and maintain good credit score. 
These 2 horrible companies continuing to lie, cheat and distort my credit report and score for heartless unnecessary reasons I do not know. I am 40 to 55 points away from a good credit score of XXXX with XXXX  and XXXX  credit bureau. Over the past two years Ive have worked my XXXX off during this horrible pandemic to get my credit at a point of good status ... enough I HAVE HAD ENOUGH OF EQUIXFAX EVIL CONSPIRITIES! 
It has come to the point of no return that I must start civil litigation against both Equifax and XXXX Score. I have now hired a consumer attorney to file me a claim to sue the consumer protection for not protecting me as a consumer I also have asked the XXXX to look into this issue as well due to your agencys incompetence in performing your horrible services just the same as Equifax. 
With this being said I must still follow unfair credit laws and continue to place my complaints there fore when we get into local courts, I will have proper documentation showing that I have bent over backwards and forwarded even XXXX tumbled as a XXXX-year-old woman to stop Equifax and XXXX score from illegally trashing me when I am working my XXXX off to re-open my company front doors from this horrible pandemic. 
I am in the process of trying to apply for a commercial loan to be able to hire contractors to re-open my nonprofit org. thus redesign my nonprofit so that the 6000 youth and elderly people in my community can have a place to come back to for community connections. I AM SO SICK OF EQUIFAX/XXXXSCORE PERDIOD ruining my credit score for no reasons!! I WANT A judge to see what the XXXX these 2 horrible companies problem is. If you would take a look at my recent info credit file from Equifax, you will be angry just like me. You will not understand this horrible low XXXX credit score from these scam artists that started the process of ruing all USA consumers credit and identity by setting Americans up for these horrible crimes such as identity theft gifts from Equifaxs company data BREACH! I XXXX XXXX XXXX knows for fact I was involved in Equifaxs company data BREACH because I received a letter from Equifax when I lived t XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX The USA has tolerated 50 years of legislative activity including the FCRA, 50 years of FAILED consumer advocacy, and decades of enforcement by federal regulators and state Attorneys General yet the struggle for consumer justice in credit reporting is far from being achieved. 
It looks like Equifax systemic inaccuracies that pervade the credit reporting system include : Mixed files., in which information belonging to one consumer is improperly reported in another consumers credit report. Mixed files are caused by insufficient and overly loose matching criteria, in particularly the practice of matching data based on only 7 out of 9 digits of a Social Security number. Furnisher errors. Errors in credit reports are often caused by the creditors and debt collectors that provide data to the credit bureaus, known as furnishers. Common errors include attributing an account or debt to the wrong consumer, incorrectly recording a payment history, or re-aging a stale debt past the seven years permitted by the FCRA.

Identity theft. Credit bureaus and MOST OF ALLthe
United States Postal Service and government agencies such social security and Ohio jobs and Family services that sends your personal info thru the horrible US postal service mail are certainly the MAIN furnishers all
parties mentioned in this formal certified complaint certainly bears FULL complete share of the blame for the fallout from identity theft, misinformation that all national credit bureaus reports ect.,. I have been hit with identity theft and total of three times ( 3 ).
The credit bureaus loose matching procedures contribute to the problem of identity theft, and EQUIFAX data breaches gave thieves the tools needed to 8 114 Cong. Rec. 24,903 ( 1968 ). 5, commit frauds indeed should be held accountable! When consumers try to fix the aftereffects of identity theft, we as consumers are put through constant XXXX that I will. Just take a look below at what Equifax keeps on doing to my credit score and credit file. 
THIS HAS GOT TO BE PUT TO A STOP. IF YOU CAN NOT ACHIEVE WHAT IT IS YOUR AGENCY IS SUPPOSED TO DO ... WHICH IS TO STOP CREDIT BUREAUS FROM COMMITTING THESE KINDS OF UNFAIR CREDIT ACTS THEN GET ON THE BALL AND PUT A STOP TO THIS EQUIFAX! 
JUST LOOK AT THIS COPY OF MY EQUIFAX CREDIT REPORT ANDE AWFUL FOR NO REASON CREDIT SCORE! THERE ARE NO ISSUES ON MY CREDIT SO I SEE NO REASON FOR THIS AWFUL INCONSISTANT CREDIT SCORE!

Company response to consumer: Closed with explanation