Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: FL
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:
As a result of the account hack of Equifax in XXXX the following fraudulent hard inquires appeared on my credit bureau report : XXXX -- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX At the time in XX/XX/XXXX I made contact with the creditors and with Equifax. I filed a dispute with Equifax requesting the inquiries be removed. I contacted XXXX and XXXX -- XXXX XXXX. XXXX prepared a letter and sent it to all credit reporting agencies advising the inquiry should be removed from my file -- Equifax totally ignored the letter, and it still shows on my file. Equifax and XXXX both ignored my dispute in XX/XX/XXXX and this inquiry still remains on my file today. XXXX and Equifax did nothing and as a result a XXXX transaction ( ID THEFT ) was opened on XX/XX/XXXX in the amount of {$280.00}. XXXX and Equifax were both negligent in their failure to act and their failure to notify me that a fraudulent account had been opened in my name. At that time I also put a 90 day security alert on my credit files. After receiving no payments XXXX charged the account off and sent it to a collection agency ( XXXX XXXX, XXXX, FL ) on XX/XX/XXXX with a balance due of {$280.00}. The XXXX XXXX promptly added this collection to my credit bureau files, thus damaging my perfect credit report. After much effort on my report I obtained letters from XXXX and XXXX XXXX instructing Equifax to remove the collection from my files. Since that time I have filed 2 additional disputes requesting the fraudulent Inquires be removed from my credit file. The XXXX Inquiry was directly related to the theft ID account which was opened, and Equifax had a letter from XXXX advising their Inquiry should be removed. In spite of this and hours of effort on my part, Equifax still refuses to remove these illegal inquiries from my file and my credit score continues to be negatively impacted. On XX/XX/XXXX I filed an Identity theft complaint with the XXXX XXXX XXXX Department and they subsequently forwarded it to XXXX XXXX where the transaction took place. I have done absolutely everything possible to resolve this matter with Equifax, all to no avail. All I get from Equifax are worthless form letter e-mails advising the dispute was completed, but there is never any change made to my file?? When I try to open their emails for dispute results all I ever get is a message saying the information I entered does not match their records?? When I call I always get an employee who is not fluent in English and nothing gets resolved. Equifax created this problem with the account hacking, they have a great deal of liability, and yet they do nothing to fix a serious problem they created?? XXXX and XXXX were responsive and great to work with -- the problem is Equifax! I have detailed documentation on this matter. ALL I WANT IS FOR EQUIFAX TO REMOVE THE TWO ILLEGAL INQUIRIES FROM MY CREDIT BUREAU REPORT SO MY CREDIT SCORE IS PROPERLY REFLECTED.

Company response to consumer: Closed with explanation