Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015, I was checking my Credit XXXX. I discovered that on XXXX XXXX, 2015, there was a hard credit check XXXX on Equifax Credit reporting Agency. I did not open an account XXXX nor do I even have a cellphone from any company. I immediately contacted XXXX XXXX and advised them that I did not open an account. I was informed that indeed, an account was opened in my name and using my Social Security number. The Fraud department was closed since it was a weekend but I was advised to call back on Monday morning. I then proceeded to contact all the Credit Reporting Agencies and place an alert. I contacted EquifaxXXXX. After completing this, I contacted my credit card companies and had them place a watch on my accounts. On XXXX XXXX, 2015, I spoke with the XXXX XXXX Fraud Department and filed a Fraud complaint. On XXXX XXXX, 2015, I received a letter from the XXXX XXXX Fraud Department advising that the account in my name was fraudulent. I contacted the XXXX Fraud Department on this date by telephone. I was told that the fraudulent account was closed and a letter was sent to Equifax requesting that the Credit Check be removed from my credit report. On XXXX XXXX, 2015, I contacted Equifax. Equifax is the only Credit Reporting Agency where this credit check appeared. I spoke with XXXX at XXXX. I asked her why the credit check was still on my credit report. XXXX stated that she does not show a letter XXXX in my file. As a result of this conversation, I contacted XXXX again. I was advised that they did in deed send a letter to Equifax requesting that the credit check be removed. Further, I did a cover letter and sent Equifax a copy of the letter which I received XXXX. This was sent in a fax for which I have a confirmation of receipt. My letter also requested that the credit check be removed immediately. On XXXX XXXX, 2015, I received a letter from a third party company indicating that a hack had occurred on a company called XXXX. XXXX is a company that operates for XXXX, Florida XXXX. In this hack, employee and retired employee names, addresses, Social Security numbers, email addresses, pass words, etc. had been stolen. Obviously, this is where the suspect in the XXXX fraudulent account obtained my name and Social Security number. On XXXX XXXX, 2015, I called XXXX XXXX Fraud Department. I advised them that Equifax claims that they did not send a letter to remove the fraudulent credit check. I was informed that this was not true. While on the telephone, the employee typed out another letter to Equifax and sent it. On XXXX XXXX, 2015, I called Equifax again. The credit check XXXX is still showing on my credit report. The employee at Equifax told me that they have no documentation showing this credit check to be a fraud. I told the employee that she is a liar. I stated that I have the confirmation in which I faxed them my statement along with the XXXX letter. I then informed the employee that XXXX sent them another letter and I wanted to speak to a supervisor. The employee stated that there was nothing that could be done for me and the credit check only lasts on my report for two years. I told her that she was complicit in this fraud complaint and that she is a liar. As a result of this last conversation with Equifax, I contacted the Attorney General 's Office and was advised to file this complaint. See the attached documentation. I need this fraudulent credit check removed by Equifax.

Company response to consumer: Closed with explanation