Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am trying to resolve the ID fraud issue with the Equifax and it appears that Equifax is completely disregarding the FCRA and in direct violation of FCRA section 605 ( B ). I sent in a block request to Equifax regarding fradulent accounts and the resonse received from Equifax is as follows : " Please be advised that Equifax, at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review. '' Issue 1 : I was not provided the reason for the block request denial. I called equifax and I was told that block request is only valid if the item is not yet reporting to the credit report. If it 's already reported then each creditor needs to be contacted and they would need to remove the account, it 's not equifax job to block the fraudulent accounts. I explained to the Phone rep that she is wrong and consumer would not know that an account is opened until it 's being reported to the CRA and the consumer orders a credit report. The rep said that I should purchase the credit monitoring service from EQUIFAX so that I would know beforehand if an inquiry is made that is un-authorized before an account is open. It appeared that the block request is not honored for fraudulent account so that equifax could sell their monitoring service to me. 

Issue 2 : I am trying to buy a home and that process is halted because I realized that there were fraudulent account being reported in my credit file. I sent the dispute, fraudulent account notice and police report, FTC affidavit and request to block. The other XXXX CRA deleted those fraudulent account from my file. Equifax continues to verify the account as being reported accurate and declines to put a block with no reason provided. However, after realizing that Equifax report will not matter as long as XXXX other reports are accurate, I requested equifax to remove the dispute comments so that the underwriter is able to do a final approval of the mortgage. Equifax continues to give me a confirmation and state that the dispute comment is removed but whenever the lender pulls the credit report the dispute comments are not gone. Here are the confirmation number for such confirmation where equifax said it would remove the dispute comments but did n't. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Issue 3 : Equifax continues to verify the account as being accurate however I do not believe any info is even sent to the agency reporting any of my accounts. For example A collection account, XXXX, is being reported in my equifax file. Equifax continues to claim that they verified this account belongs to me. On XXXX/XXXX/2016, National credit system notified me via CFPB website as part of complaint response that they would request the CRA to delete the account from my credit file. On XXXX/XXXX/2016, equifax confirms that this account belongs to me. Here is the response from Equifax : " We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. '' Issue 4 : Any of my complaints above are not disputes. Those are complaints and should be treated as such. I do not want another disputes opened because of this complaint to Consumer finance and being reported in my credit file as " Dispute of Account Information-Re-investigation in Progress ''. 

Issue 5 : The customer service rep via phone are not trained correctly to handle consumer concerns. The Reps are giving incorrect information to the consumer. For Example, Interpretation of block request as mentioned in Issue 1 above.

Company response to consumer: Closed with explanation