Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Equifax refuse to put a statement in my credit file. It ignored my proofs to delete a collection I have no knowledge of since I have auto pay with XXXX to the present date of thus complaint to my understanding which neither I or my bank unauthorized it ever, XXXX has my credit card information to get paid for any ligitimate charge they think I owe XXXX and my credit card always has more than {$4000.00} available at any time from the date that auto pay was set and given XXXX Authorization to use it until now. Therefore, if XXXX, its collection and Equifax do not have any proofs to provide to prove the above information is wrong then Equifax must delete the wrong information they resisted to delete from my Equifax credit file, the collection must be deleted permanently and now. This issue took more then 30 days and new issues developed as follow : Below is my electronic communications via email with Equifax which this bureau can not deny. EQUIFAX Retaliation to keep a collection by force in my clean credit report took another extreme level of retaliatory actions from Equifax. Adding Fraud Alert without my consent. Blacklisting my personal information to restrict my online access using their Equifax public online services to dispute but Equifax in retaliation chose to not refrain to restrict me from that service or online services. Equifax did not provide me or failed to provide me and/or broke the law refusing to provide, and pursuant to the freedom of information act and/or privacy act, all the proofs if any at all which Equifax obtained from XXXX and/or XXXX collection company in order to prove my legal argument was wrong so it gave Equifax a reason to leave the collection in my Equifax credit file : my legal argument is shown clearly in one of the files. 

I copied and pasted this from my email records with Equifax : Dear Equifax : Stop your retaliation. I am in receipt of the Following that Equifax placed without my consent : image1.jpeg You need to left any block that might block my freedom to access my credit report or consent access to it by any means. 

Also the Equifax trustedid monitoring that you canceled against my will and without my consent if not reinstated you will be held accountable for anything to impact my credit at anytime and by anyone unauthorized. 

This is a legal Notice to Equifax and it will be used in a court of law at any time. 


Thank you, XXXX XXXX Today XX/XX/2019. 

On XX/XX/2019, at XXXX XXXX, XXXX XXXX <XXXX> wrote : I never accepted or enrolled in what just said below. 

Equifax will be held liable for any identity theft or any issue from the breach of my information at your Equifax servers or data centers due your negligence. 

Either reinstate the credit monitoring or you will be sued. 


Thanks XXXX XXXX On XX/XX/2019, at XXXX XXXX, XXXX<XXXX XXXX> wrote : Dear XXXX XXXX , We appreciate the opportunity to address this matter and apologize for any confusion. 

Our records indicate that your account was cancelled due to your recent acceptance to extend your complimentary credit monitoring through XXXX XXXX XXXX product. If you have questions about that enrollment, an XXXX  customer care agent will be able to assist with enrollment at XXXX, 24 hours Monday - Friday, and XXXX XXXX - XXXX XXXX CT Saturday and Sunday. 

For more information regarding the migration and Equifaxs partnership with XXXX, visit the FAQs page at : XXXX XXXX XXXX Thank you for contacting Equifax, XXXX XXXX XXXX 
Equifax Consumer Care Team ref : XXXX : ref On XX/XX/2019, at XXXX XXXX, XXXX XXXX <XXXX> wrote : I am rejecting the Equifaxs cancelation referenced below, this any identity theft or fraud or any unlawful breach to my sensitive information after you canceled the monitoring service Equifax assume now legal consequences if I became a victim of identify theft or unlawful use of my information that was breached from time servers or data center and under your watch. I reserve all my rights including but not limited to bring civil action in the case a future issue as described above happened with my information that you mishandled and you continue the same and between us courts, public opinion and other legitimate lawful of any kind without waiving my rights. You are now noticed and you would be exposed and reported to whom it has jurisdiction if any retaliation again more than this or any newer retaliation occurrence adding it to what you have being done against my person til now. All stated herein subject to a previous noticed to Equifax. 

Date XX/XX/2019 XXXX XXXX. 


On XX/XX/2019, at XXXX XXXX, XXXX Customer Service <XXXX> wrote : Equifax Your TrustedID Premier Product Cancellation Dear XXXX, XXXX XXXX XXXX product has been cancelled. We appreciate the opportunity to have helped you monitor your credit and better protect your identity, and we hope we can serve you again in the future. 

We realize you may have questions and have provided some information below : What happens if I locked my Equifax credit report through XXXX   XXXX or any other Equifax product? 

When your XXXX XXXX subscription cancels, your Equifax credit report will be unlocked. If you locked your Equifax credit report with any other Equifax product, be sure to log in and re-lock your Equifax credit report. Also, if you enroll in the Experian IDnotify product, your XXXX  XXXX will cancel and your Equifax credit report will be unlocked. 

If you wish to restrict access to your Equifax credit report and you do not take action through an existing Equifax product, you can place a free security freeze or sign up for our complimentary product Lock & Alert. 

What if I have a security freeze on my Equifax credit report? 

If your Equifax credit report is frozen and not locked, the security freeze will stay in place. 

If you have any questions about your subscription, please contact our Customer Care Agents at XXXX, XXXX XXXX to XXXX  ET, 7 days a week, or by email XXXX. 

A valuable resource you can consult for information regarding identity theft is www.consumer.ftc.gov/topics/identity-theft. 

Sincerely, Your Equifax Customer Care Team Privacy Policy Contact us at XXXX Equifax is a registered trademark and TrustedID Premier is a trademark of Equifax Inc. 

XX/XX/2019, Equifax Inc., XXXX, Georgia. All rights reserved. 

Equifax Global Consumer Solutions XXXX XXXX XXXX XXXX, GA, XXXX You On XX/XX/2019, at XXXX XXXX, XXXX <XXXX> wrote : Thank you for contacting Equifax. The reference number for this inquiry is XXXX # XXXX. 

We have received your inquiry and are working diligently to process it. However, due to higher-than-normal email volume, there may be a slight delay in our response time. 

Please know that we are doing everything we can to service your request and will respond to all email inquiries as quickly as possible. If you would like to add to this inquiry, simply reply to this email with your additional questions so that a new case number is not generated in the system. Please do not send a new email, as it will create a new case and further delay our response to you. 

We thank you for your patience, and as always, appreciate your business. 

Regards, Your Customer Care Team Copy ends Here. 



- they damaged my credit with one collection that I proved to them that it should never existed so I have no knowledge of it. Because sprint can use auto pay that I set up and never changed it or unauthorized it so my bank neither interfered in it by proof. 
-my credit file has zero missed payment exceptional .they are ruining now with that referenced collection to harrass me and cause me imminent irreparable damages and losses in retaliation against me. 

- Equifax canceled in retaliation my Trustedid monitoring service. 
-Equifax blacklisted my Information unlawfuly. 




-Equifax confiscated my credit report and other information unlawfully. 

All stated herein is to the current state of my belief, knowledge and understanding and subject to anything by me at any time without waiving my rights under any circumstances. 


Who can stop Equifaxs abuse and retaliation against my person?

Company response to consumer: Closed with non-monetary relief