Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
What I am about to unfold will change everything and I strongly urge to take seriously. 

Additionally, this complaint will help provide a documented history for the Federal Lawsuit I will be filing against current CEO XXXX XXXX XXXX XXXX XXXX, former Ceo XXXX XXXX and possibly incoming CEO XXXX XXXX. 

First and foremost, I cant think of a more deplorable, defiant & remorseless Corporation than Equifax, which currently fields the most complaints of any company in any industry. 
More urgently the damage Equifax typically causes on me or any other voting citizen is unrepairable and also causes more destruction/harm than any other industry i can think of. 

Despite a history of conspicuously providing faulty and inaccurate information, and decades of continually refusing to make real changes to assure they are providing correct information. Equifax alternately schemes to find ways that give the appearance of being Law-Abiding and all this is at the direction or knowledge of the CEO and board of Directors. 


Summary of Facts concerning my issue ( s ) : Way back around XX/XX/XXXX, I attempted to place a 90-day Alert to my credit report I assumed this information, as required by law, would be shared with XXXX  & XXXX. 
Incredibly in early XXXX, I received a letter from Equifax refusing to ad the Alert ( see attached letter dated XX/XX/XXXX ) I spent the next couple months fighting for a 90-day Alert to be added ( I was unaware during this time my Identity had already been compromised and damage continued through this period ) Note * An Alert would have prevented months more of damages! 
In XX/XX/XXXX & XX/XX/XXXX, I filed ID theft reports and Request to block accounts, which are still reporting on my Equifax credit report. Equifax Never responded to the XXXX request and Denied the XXXX XXXX Request. Completely and willfully IGNORING what the law requires. 
On XX/XX/XXXX, I Filed another ID Theft report and Affidavit ( FTC report # XXXX ). I certified mailed this along with an affidavit of identity, proof of address along with other documents. ( See attachment ) On XX/XX/XXXX, I filed another ID Theft report and Affidavit ( FTC report # XXXX ) identifying one ( 1 ) XXXX, two ( 2 ) XXXX accounts, & two ( 2 ) XXXX account, also claiming the following inquiries were not authorized by me ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. As in my previous, signing an affidavit of XXXXdentity & Affidavit Under penalty of perjury and certified mailed all documents to EQUIFAX. ( See attachments ) EQUIFAXS biggest problem & Display of their complete defiance of the law. : Equifax literally admitted to a direct violation of the FCRA in their response dated XX/XX/XXXX, confirmation # XXXX. ( See Attachments ) Here is Equifaxs response ; Under Results Of Your Investigation We Have reviewed your concerns and our conclusions are : Please be advised that Equifax, at this time, will NOT BLOCK the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. 

*********WOW!!!! ***** Equifax knows they have no choice in this matter to block the claimed accounts as long as I provided the proper documentation, which I have 4 times. 

The FCRA 605B ( c ) explicitly sets forth reasons Equifax must provide in order to deny or rescind a block of information from an individuals credit report who has filed an Identity Theft claim. 
Equifax did NOT provide a specific reason as required that permit them to deny. ( Another violation of the law ) They are somehow under the delusional belief that if the furnisher mantians a disputed account as belonging to the ID THEFT Victim, this will release them ( Equifax ) from any violations or damages. WRONG!!! 
The asserted reason of conducting an investigation is not a condition of blocking under section 605B. This was mentioned numerous times in the minutes when Congress created these policies and in a memo from : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX RE :  XXXX XXXX XXXX XXXX XXXX FCRA Legislation, H.R. 2622 In other words, CRAs are required to BLOCK tradelines claimed by consumers within 4- days as long as the consumer signs an Affidavit and files a signed Identity Theft complaint, period! 
The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report or FTC Identity Theft claim. EQUIFAX could have always had the Blocked account ( s ) unblocked once the furnisher completes a Proper or reasonable investigation and determines otherwise. 
However, EQUIFAX has now lost its rights under that option for their willful and defiant choice to ignore well established rules and law. 

Therefore, I am requesting for EQUIFAX to : Please identify which reason or reasons for each tradeline I have claimed Identity theft that Equifax has denied my request to Block. 
Was it.. 
a ) Made in error? if this is Equifaxs reason please provide the specific error so I have an ability to correct it or address this error. 
Or was it b. ) a misrepresentation of material fact relevant to the request to block? If EQUIFAX claims this reason please provide me with the Material Fact EQUIFAX claims was misrepresented and provide the proof as required by law that EQUIFAX received in their investigation, when EQUIFAX received this information, how EQUIFAX received this information and the source of the information. 
Or was it c. ) you have obtained possession of goods, services or money as a result of the transaction issue? If EQUIFAX claims this reason, please provide me with the specific goods, services or money I have obtained. When EQUIFAX received this information, how EQUIFAX received this information and the source of the information. 

Additionally, I am requesting if my case has been forwarded to a Working Group or specialized personal for evaluation and to identify this group or personal. 

This is as clear as i can be. I am hoping EQUIFAX does not try to dilute their response with irrelevant nonsense. I mean, I would hope the purpose for both sides is to resolve this issue and the best way to do that is with clarity and transparency. Please understand the longer this takes the more damage myself and other victims would be exposed to. 
A certified letter with this duplicate information will be sent out on XX/XX/XXXX to ensure I have used all viable options for notice. 

HOWEVER, whatever EQUIFAXS reasons are now is irrelevant, my complaint is that EQUIFAX continued refusal to Block accounts within four ( 4 ) days, which myself and thousands of others properly claimed as a result of Identity Theft. EQUIFAX has deliberately implemented a scheme for the sole purpose to manipulate, rebel and disregard the FCRA and other State laws. They do this knowing it will cause more harm to Victims of Identity theft, possibly ruin lives, so they can show favoritism and loyalty to paying customers, otherwise known as the furnishers. 
As a result of EQUIFAXs refusal to follow the law, XXXX XXXX was able to file a civil complaint against me, forcing me to spend thousands more by hiring an attorney. After providing documents to XXXX XXXX attorneys and forcing XXXX to finally conduct a PROPER investigation, XXXX XXXX had no other choice but to dismiss the case WITH PREJUDICE ( see attachment of dismissal ). Anyone who is familiar with XXXX legal reputation recognizes how rare this is for them to do. 
****The XXXX XXXX legal case simply strengthens the legitimacy of my previous identity theft claims! 

This is the same XXXX XXXX I filed an IDENTITY THEFT claim against in XXXX, & XXXX, which EQUIFAX REFUSED to block within the required 4 business days. 

So either EQUIFAX never conducted a proper investigation or XXXX XXXX lied to EQUIFAX or both. Either way, I suffered a tremendous amount of damages, monetary, physically and emotionally? 

OnXX/XX/XXXXand XX/XX/XXXX, I filed the identical claims in XXXX and XXXX with the following accounts : XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Just like my XXXX XXXX claim, none of these accounts were ever BLOCKED as required by law. Just like my XXXX XXXX claim, EQUIFAX claims to have conducted a proper investigation Just like my XXXX XXXX claim, EQUIFAX claimed THE INFORMATION YOU DISPUTED HAS BEEN VERIFIED AS ACCURATE. 
Currently, EQUIFAX continues to allow these five ( 5 ) accounts to report on my credit report. 
Is EQUIFAX going to follow the law this time and block those accounts? 

Investigating my claim of ID Theft now is irrelevant. WHY? EQUIFAX CHOSE to ignore their legal requirement. Whereas, I followed the law, EQUIFAX CHOSE not to follow the law. 

The big question now ... Will EQUIFAX CHOSE to continue to be defiant, forcing me to spend thousands more in legal fees, therefore work years longer into what should be my retirement years. 


Nevertheless, I now have all the information needed to make EQUIFAX and their XXXX CEO and Executives ACCOUNTABLE! 

I can promise you, A FEDERAL LAWSUIT is on its way YOU XXXX & DO NOT expect any settlement without the entire board stepping down and WITHOUT any Severance pay. ( The times of executives receiving a severance pay for their unlawful and/or dereliction of duties MUST end ). Anything short of that and we will have a jury trial, which I strongly prefer. 

*YOU HAVE UNTIL XX/XX/XXXX to BLOCK THE ACCOUNTS I HAVE BEEN REPORTING * XXXX XXXX found out the hard way, but I have a feeling Equifax will also roll the dice. 


Cc : XXXX XXXX XXXX Cc : FTC CC : XXXX XXXX investigative reporter XXXX ( 14 time XXXX  award recipient ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief