Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: MI
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:
Dear CFPB I was transferred to Equifaxs Office Of Consumer Affairs ( OOCA ) around the beginning of XX/XX/XXXX right after I questioned how my birthdate could have changed on my EQ report. And since then my experience in dealing with them has been in such a downward spiral that I need your assistance in resolving the following issues On XX/XX/XXXXmultiple disputes were filed on my behalf under confirmation # XXXX without my knowledge or authorization. Ive attached a copy of the results dateXX/XX/XXXX and asking for EQ to explain who authorized this and answer some questions below regarding each individual dispute performed by them **Tax LienI thought with the implementation of the National Consumer Assistance Plan it would limit the errors made by third party vendors, guess not. As far back as XX/XX/XXXX Ive had to dealing with the false reporting of tax liens on my report. Either they were mine but withdrawn or not mine at all. I thought this was finally taken care of in XX/XX/XXXX when 4 liens were removed from my report after an investigation however they popped back on inXX/XX/XXXX. All 4 were removed again onXX/XX/XXXXbut after investigating 6 liens, 4 were reinserted on XX/XX/XXXX, who did the other 2 belong to? Im not asking for a reinvestigation rather for EQ to confirm in writing that these liens were investigated properly and that they stand by their reinsertion.
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**XXXX XXXXOn theXX/XX/XXXX I talked to XXXX in their dispute area and said it was disputed onXX/XX/XXXX and they hadnt responded as of yet. Can EQ please verify the date XXXX XXXX  responded?
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**XXXX XXXXI have attached the letter I received from XXXX XXXX datedXX/XX/XXXX asking for information regarding my identity theft. I talked to XXXX on XX/XX/XXXX and she stated they hadnt responded to EQ dispute yet and was waiting for my information. Can EQ please verify the date XXXX XXXX responded?
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**XXXX XXXXCan EQ confirm how many XXXX XXXX accounts are on my report and what day they responded to your dispute?
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**XXXX XXXX XXXXIve attached supporting docs sent to EQ onXX/XX/XXXX showing this account was paid in full. I talked with XXXX in XXXX collections dept onXX/XX/XXXXand she confirmed the account is paid in full. Can EQ confirm when they received XXXX response and how a balance is still show on an account that is paid-in-full?
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Ive had an extended fraud alert in place since XX/XX/XXXX with the 3 agencies however onXX/XX/XXXXEquifax took it upon themselves to forward their version of my alert to XXXX  however it didnt include my contact information rendering it useless. Equifax please tell me how this can happen?
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I believe that the OOCA primary job is to make life difficult for people they think dispute too much or a nuisance. I complained about the long hold times, suddenly they became much longer. I informed them that I was hard of hearing and ever since then everyone I talk to in OOCA has their volume down, yet I have no problem hearing the people that transfer me over. Theyve but a credit freeze on my report and it can only be pulled after I request them to open it. That usually take an hour wait on the phone then they say they have 48 hours to open it. It may sound paranoid however I have hours of phone calls supporting everything. In the event this goes the lawsuit route I will have transcripts made of the calls and attach then to a follow-up complaint. Please feel free to share this information with any agency you see fit.
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Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation