Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Sir or Madam, My complaint centers around Equifax,XXXX XXXX XXXX XXXX , XXXX , Georgia , XXXX, ( XXXX ) XXXX. On or around XX/XX/2021, at around XXXX XXXX. I called the above number and spoke to the operator where he transferred me to XXXX. I advised XXXX that I have recently obtained my Credit Report from Equifax and noticed that there were incorrect and/or adverse damaging Information on my Credit Report, which I believe has caused outrageous APR fees and/or financing for me. 

name. I advised XXXX that my name is XXXX XXXX. And that in the credit report I noticed an aka, XXXX XXXX XXXX. I advised XXXX that I am locked out of my account and needed to access it to make corrections and/or dispute incorrect damaging information. 

XXXX would not allow me to access my account and insisted that he would make the changes and or disputes on my behalf. I advised XXXX that I would like to review my information directly. I further advised XXXX that I was ill and recently released from the hospital and wished to access my account to make the necessary correction so that I could lay down. 

XXXX stated I will send you an email to access your account. I waited a few minutes and advised XXXX that I have not received any email. XXXX stated, hold on and hung up on me. To the best of my knowledge, XXXX has my current phone number and never returned my call. 

Also, I called back and waited an exceptionally long time again to speak to a representative to clarify the matter. Unfortunately, it sounded like XXXX again who has an eastern XXXX accent ( possibly XXXX Origin ), and hung up on me immediately. 

Furthermore, on or around XX/XX/2021, I received an ALERT from myFICO and XXXX account that there was a name change in my credit report. Upon review, I believe that XXXX/Equifax willfully and deceitfully altered, manipulated, and/or changed the information on my credit report with malice and intent to do harm. 

Equifax refuses to allow me to access my credit report to resolve the incorrect information which I believe is resulting in excessive interest rates regarding credit. To the best of my knowledge, the conversation with XXXX was recorded. Therefore, I believe that Equifax should have access to that conversation. I am requesting that full disciplinary action be imposed upon XXXX including termination and prosecution for the said crime. 

The above incident is as follows. 

1. That on or around XX/XX/2021, at around XXXX XXXX. I called Equifax and spoke to XXXX regarding unlocking my account. 
2. That XXXX refused to allow me to access my account and hung up on me. Please see Screenshot Marked Number 1. 
3. That on or around XX/XX/2021, I received a notification that my name was changed to XXXX XXXX XXXX. Please see Screenshot Marked Number 2. 
4. That upon further review I believe that it was XXXX/Equifax that made the fraudulent name change to my credit report. Please see Screenshot Marked Number 3. 
5. That I applied for credit with XXXX Credit Card. I received a XXXX C, IRS form from Equifax on the behalf of XXXX. Please see Screenshot Marked Number 4. I called XXXX and they advised me that this was the regular procedure. 
6. That about two days after my conversation with XXXX I received my credit card. I called XXXX to activate the said credit card where I was advised they were waiting for Equifax to return the XXXX the IRS Form. XXXX advised me that they will issue me an email when they are in receipt of the above IRS form. 
7. That upon reviewing other credit bureaus such as XXXX, XXXX XXXX, XXXX XXXX, myFico, etc. I continue to receive alerts of my name change on most or all of the above credit bureaus. Please see Screenshot Marked Number 5, 6, 7. 
8. That on or around XX/XX/2021, I received an email from XXXX advising me that they have closed my account. XXXX further advised that they are not able to verify my account. Please see Screenshot Marked Number 8. Since Equifax issued me the above IRS form and refused to forward it to discovery, I believe they are willfully responsible for the harm they have caused me in the above account closure in question. 

Furthermore, it is imperative that Equifax conduct a true and correct investigation to root out individuals such as XXXX. Credit reporting agencies have a great responsibility in handling the publics records, and allow the public to access the said records to make corrections that have a direct effect on the publics credit/financing. Equifax has a history of recklessly handling the citizenry 's private information. 

I would like to thank you for your time on this matter. If you should have any questions or require any additional information, please contact me at any time. 


Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation