Consumer complaint received 2017-04-12
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it may concern : I have been trying to receive my credit report for months online and purchase a product to use directly with Equifax. I could only get my Equifax report through XXXX. Every time I put my information in online it would say please mail which I did on the beginning of XX/XX/XXXX or call to request my credit report because they could n't verify my identity with the information that I put in. So, I finally called my time on Friday XXXX time XX/XX/XXXX and was told my name in their system was XXXX mind you I 'm a female. So, I also wanted to update my addresses and had some concerns about a few inquiries that was on my credit report that I was unaware of. I got an email on Saturday saying my disputes was completed so I tried to check the status but again I got I need to call because my information was inaccurate. So, when I called on Monday night XXXX time the representative told me that my name was XXXX by this time I got really upset because they submitted the dispute but nothing was done. So, they tried again. Stayed on the phone for about 1 hr and 30 mins and they finally updated my name with the results I got back today, It should n't have n't taken me calling three time when they had a copy of my SSN with my correct name. I needed to get this stuff up to date because I work for the government and I have a security clearance and I ca n't have inaccurate stuff on my credit report when it 's time for me to renew because I can lose my job because it requires me to have a security clearance. Got noticed on my email saying my name has change tonight my time XXXX. I also sent letter to all XXXX credit report agencies and I only heard back from XXXX not Equifax by mail. Only 2 addresses should be on my report which are XXXX and XXXX. 
For the inquiries, I mailed a Multiple Inquiry Removal Letter on XX/XX/XXXX by certified mail to dispute information, regarding XXXX hard inquiries, and they are XXXX dates : XX/XX/XXXX and XX/XX/XXXX, and Equifax Mortgage Sol dates : XX/XX/XXXX and XX/XX/XXXX that was being reported on my credit report. Still have n't heard anything so I called they completed the request in one day not quiet even one day. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 1 days after the I called, one can assume that there was no investigation into the matter. I plan to purchase a home sometime next year and having those hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation