Consumer complaint received 2018-05-27
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:
I just recently ordered my Equifax report online and discovered that there are accounts still reporting that are not relating to me. Equifax confirmation number # XXXX States the following accounts were deleted : XXXX XXXX XXXX ( both of them ), XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have recently spoken to one of the chairman of XXXX XXXX XXXX bank directly and they have stated to me that they sent in the request to have both of the incorrect XXXX XXXX XXXX XXXX accounts reporting on the Equifax report to be removed through their Universal data form twice!! I have proof and documentation directly from the bank but yet Equifax is still reporting both of the accounts. Both of the XXXX XXXX accounts were also removed by the bank however Equifax is still reporting them. XXXX XXXX XXXX also stated that they requested the removal months ago however Equifax is still reporting this. Equifax confirmation number # XXXX states that the XXXX account was deleted and removed. Equifax confirmation number # XXXX also States the XXXX account was deleted. Equifax is fully aware that I was a victim of identity theft ; they have received my documentation with the FTC ID affidavit signed and notarized including the police report and case number for their own investigation. Equifax has ignored the FCRA section 605B. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Equifax needs to remove these accounts and send me an updated report. None of my reports are the same online.. they are all different with several addresses that do not belong to me. I only have two addresses that should be reporting on this report. The report Equifax sent to me dated XX/XX/2018 did not include an actual credit report. I don't know which one is right viewing all the different ones online and Equifax need to send me my credit report. 

XXXX XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation