Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
FOR AN ENTIRE YEAR I HAVE XXXX XXXX ACCOUNTS ON MY CREDIT REPORT AND XXXX XXXX XXXX XXXX XXXX. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY A PERSON NAMED XXXX XXXX AND I HAVE SUBMITTED MY FEDERAL TRADE COMMISSION AFFIDAVIT AT LEAST THREE ( 3 ) TIMES, MY POLICE REPORTS AT LEAST THREE ( 3 ) TIMES AND I HAVE WRITTEN BY EXPRESS OVERNIGHT DELIVERY TO EQUIFAX SEVERAL TIMES, REPORTED THEM TO THE XXXX WITH XXXX ( XXXX ) CURRENT CASES AND EQUIFAX HAS DAMAGED MY CREDIT, CREDITORS ARE SHUTTING DOWN ACCOUNTS THAT I HAVE HELD FOR YEARS ; I AM BEING DECLINED FOR NEW ACCOUNTS THAT I REQUESTED ; AND EQUIFAX IGNORES EVERY SINGLE COMPLAINT, ALWAYS MAKES THE EXCUSE THEY INVESTIGATED THE MATTER AND THE CREDITOR CONFIRMED IT WAS MY ACCOUNT BECAUSE MY SOCIAL SECURITY WAS ON THE ACCOUNT. DO N'T EQUIFAX UNDERSTAND WHAT IDENTITY THEFT IS??? DO N'T THEY GET IT??? THE FAIR CREDIT REPORTING ACT PROTECTS ME FROM THIS TYPE OF BEHAVIOR. THESE ACCOUNTS WERE DELETED IMMEDIATELY BY XXXX AND XXXX ; BUT FOR THE LAST YEAR EQUIFAX REFUSED AND IGNORED MY POLICE REPORTS AND MY FEDERAL TRADE COMMISSION AFFIDAVIT. BY LAW, THEY WERE SUPPOSE TO DELETE THESE FRAUDULENT ACCOUNTS BUT THEY HAVE NOT DONE IT AND I AM SICK OF THEM RUINING MY CREDIT AND TRYING TO HOLD ME ACCOUNTABLE THE ACTIONS OF SOMEONE THAT STOLE MY IDENTITY AND I AM NOT REPORTING THEM TO YOU DEMANDING THAT THEY DELETE THESE ACCOUNTS. THEY HAVE XXXX OR MORE DISPUTES FROM ME AND THEY STILL HAVE IGNORED EVERY SINGLE AFFIDAVIT AND POLICE REPORT PROVIDED TO THEM AND I AM SICK OF IT, AND I AM TIRED OF FIGHTING FOR MY CREDIT AND MY CREDIT BEING RUINED BECAUSE OF THE NEGLIGENCE OF EQUIFAX!!! EQUIFAX CAN LOCATE MY DISPUTES AND SEE THEIR NEGLIGENCE. I JUST RECEIVED EQUIFAX 'S CONFIRMATION # : XXXX, DATED XXXX XXXX, XXXX AND THE FOLLOWING ACCOUNTS ARE STILL THERE : XXXX - ACCT # : XXXX XXXX/XXXX/XXXX ; XXXX - ACCT # : XXXXOPENED XXXX/XXXX/XXXX ; XXXX - ACCT # : XXXXOPENED XXXX/XXXX/XXXX ; AND I WANT THESE ACCOUNT REMOVED. ALSO THE FOLLOWING ACCOUNT IS PAID IN FULL, AND IT IS REPORTING WITH A BALANCE : XXXX BANK ACCT # : XXXX IS PAID IN FULL AND I OWE NOTHING ON THIS ACCOUNT ; AND XXXX ACCT. # : XXXX REPORTING PASTDUE WHEN I HAVE NEVER BEEN PASTDUE - MY OLD ACCOUNT WAS CLOSED, NEW ONE ISSUED AND THE ACCOUNT IS CURRENT AND PAID IN FULL WITH NO BALANCE BUT IT IS STILL REPORTING DELINQUENT WHEN I HAVE NEVER BEEN DELINQUENT. EQUIFAX HAS WENT OVER AND BEYOND DEMERITING MY RIGHTS AND IGNORING THEIR OBLIGATION TO DELETE XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX ACCOUNTS AND I AM TIRED OF DISPUTING, I AM TIRED OF WRITING EQUIFAX , AND I AM SICK OF THEIR IGNORANCE AND NEGLIGENCE AND I WANT THESE IDENTITY THEFT FRAUDULENT ACCOUNTS ( XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ) DELETED AND REMOVED. EQUIFAX IS SO DELINQUENT THAT WHEN I DISPUTED INQUIRIES THAT WERE NOT MINE INSTEAD OF THEM HAVING BRAINS TO DO THEIR JOBS PROPERLY THEY STARTED DELETING MY REAL TRADELINES INSTEAD OF INQUIRIES. EQUIFAX IS THE ABSOLUTE WORD CREDIT BUREAU THERE IS AND THEY ARE VERY MONUMENTAL AND PREJUDICIAL ABOUT HOW THEY CONDUCT BUSINESS BECAUSE NO ONE SHOULD HAVE TO SUBMIT MORE THAN XXXX POLICE REPORT AND XXXX FTC AFFIDAVIT REGARDING IDENTITY THEFT BEFORE EQUIFAX ACTS IMMEDIATELY AND DELETES FRAUDULENT INFORMATION. INSTEAD THEY LEAVE THE FRAUDULENT INFORMATION THERE AND CAUSE YOUR CREDIT TO REMAIN DAMAGED WITH CREDIT THAT DOES NOT BELONG TO YOU. THERE 'S NOTHING TO VERIFY WHEN A POLICE REPORT HAS BEEN FILED AND AN AFFIDAVIT HAS BEEN PROVIDED TO THEM TIME AND TIME AGAIN. I SPOKE TO THE FEDERAL TRADE COMMISSION AND THEY CLEARLY ADVISED ME THAT EQUIFAX IS WRONG AND THAT THEY SHOULD HAVE DELETED THESE IDENTITY THEFT ACCOUNTS WHEN I FIRST CONTACTED THEM. INSTEAD THEY LEFT THEM THERE NEVER DELETED!!!

Company response to consumer: Closed with non-monetary relief