Consumer complaint received 2018-02-01
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 is missing that should be on the report

Complaint:
1. Equifax has blocked access to third parties such as XXXX and XXXX from accessing my credit report in order to provide me with credit monitoring services. Even their own service, " XXXX '' fails 99 % of the time. This is incredible as they just recently leaked my information in a security breach and i need to monitor my credit now more than ever. 
Proof : See attached .pdf files showing multiple sites with error / unable to pull EQUIFAX only. 
- 2. Equifax has purposely removed ALL my authorized user accounts from my credit file as a punishment for submitting disputes on accounts they are reporting inaccurately. 
Proof : Ask Equifax for my credit report before and after i submitted bbb and cfpb dispute to them. Ask them if at any time i requested these be removed? Answer is No. I have asked the creditors and they confirm they still report the information to Equifax which means that Equifax is excluding the information from my report. CRAs are required to comply with FCRA 607 ( b ), which mandates : " Accuracy of Reports. Whenever a consumer reporting agency produces a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. '' If a CRA is receiving information from a given furnisher, and yet subjectively refusing to include it in credit reports they issue, then they must have some reasonable basis under some provision of the statute or regs for doing so, such as the credit report exclusion provisions for adverse items that have exceeded their credit report exclusion date. 
- 3. Equifax has excluded " secured '' credit cards from reporting on my credit file Proof : I have 2 secured cards, one through XXXX and one through XXXX. Both confirm that they report monthly to Equifax. Yet of course, it does not show up on my Equifax profile. It shows up on XXXX  and XXXX with no problem. 
- 4. Equifax continues to report inaccurate and incomplete information. 
Even though i filed for bankruptcy and have advised Equifax, and Equifax knows, they still report accounts with Chargeoffs and balances. And YES, i  have confirmed that the original creditors have notified Equifax to correct the information. 
- 5. Equifax ignored my demand for corrections Proof : on XXXX-18 i sent them a dispute and i also faxed a copy to the cfpb. I have attached the document that was sent as well as the fax confirmation it was received. This is not the first time, this is probably the 4th or 5th time and i have allowed them more than enough/reasonable time to address the items in dispute. I have even emailed the President of consumer services, XXXX XXXX at XXXX on XX/XX/XXXX and received no response or acknowledgement. 
- 6. Equifax ignored my BBB dispute Proof : I have attached this as well. It has been 35+ days and they didn't even acknowledge what i filed with the BBB.

Company response to consumer: Closed with explanation