Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX I noticed multiple accounts, inquiries, addresses and phone numbers on my credit file that did not belong to me. I disputed the fraudulent accounts with Equifax via certified mail, they received my police report, a notarized victims statement, proof of identity and notarized identity theft report on XXXX XXXX XXXX. I received notification XXXX XXXX XXXX that the accounts were " verified. '' I contacted Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXXXXXX XXXX CT and spoke to XXXX. I asked how these accounts were verified and he mentioned because there was a matching SS #, date of birth, name and address. Well obviously my SS #, date of birth and name will match because it 's IDENTITY THEFT! I informed him the listed address on my report, XXXX XXXX XXXX XXXX, XXXX XXXX, IL does not belong to me. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I then asked for a MOV ( method of verification ) Letter ; which I am entitled to per my rights with the FCRA. XXXX refused to send me the letter. I called Equifax back on the same day at XXXX CT and spoke to XXXX XXXX I informed her the XXXX and XXXX XXXXXXXX XXXX accounts were fraud, she mentioned she could open another case. I asked her for a MOV Letter from the original dispute that they " verified '', she stated she will mail me one within 15 days, I also faxed a formal MOV letter request to Equifax at XXXX ATTN : Fraud Department not too soon after XXXX and I spoke on XXXX XXXX XXXX at XXXX CT with confirmation it was sent. Needless to say, today is XXXX XXXX XXXX and I have yet to receive the XXXX letter which I was suppose to receive within 15 days of requesting it. During our phone conversation I informed XXXX I will be contacting the CFPB to file a complaint. I filed a complaint with CFPB on XXXX XXXX XXXX, I also filed a complaint with the BBB and Illinois Office of Attorney General on the same day. I am currently in communication with XXXX at the Illinois Office of Attorney General ( XXXX XXXX XXXX ) working on this fraud case and Equifax refusal to delete these accounts. 

On XXXX XXXX XXXX I received notification from Equifax XXXX Confirmation # XXXX ) that once again the XXXX and XXXX XXXX XXXX accounts were " verified ''. If these fraudulent accounts are not removed immediately I will be contacting a lawyer and filing suit as my next and final step! Additionally, I will be asking the maximum amount of compensation my state allows ; there will be depositions involved and subpoenaing of records and phone calls. These erroneous entries on my Equifax report is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If Equifax choose not to provide the requested deletion or requested MOV letter I requested of their " investigation '', I will pursue the enforcements of my constitutional rights via federal court proceedings. I had no problem with XXXX and XXXX deleting these fraudulent accounts, however Equifax is a terrible terrible company and are causing a lot of people financial and emotional distress. Not to mention they were just exposed for having the biggest system hack in the history of hacks, putting millions of people in jeopardy of identity theft. I am not surprised they were hacked because the company is sloppy and irresponsible.

Company response to consumer: Closed with explanation