Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I originally filed a complaint and you can see by the attached document Equifax DID block all the items that were a result of ID theft. To my dismay, this only lasted XXXX days. ALL of the items appeared back on my credit report, they also took off a valid mailing address I used to have, and they also blocked online access to me being able to view my report. It is obvious this is retaliation for me reporting them and threatening to serve them with a lawsuit. It appears that when they took off my correct XXXX XXXX I used to have, it caused a bunch of fraud accounts to show up on my credit report. Being that the items are valid accounts, the ONLY investigation they did was verify the accounts existed. Of course they exist, what Equifax is failing to understand is that ME, XXXX XXXX in Maine, is not using those accounts. They were used in fraud and they were closed by the credit card company and I am working with them on that part HOWEVER Equifax is NOT following the FCRA 305 ( b ) in blocking them immediately on my report. They DID block them for XXXX days then put them all back on again. I am guessing that when they took off my old valid XXXX XXXX address it also caused someone elses accounts to appear on my report. I also am guessing that is why I can not login to the online system anymore, also because they know I am monitoring them daily as it is almost comical to watch how messed up they are. BUT I have other credit report tools I am using to watch what they are doing so by them blocking me in spite is not going to work. They think they are above me, they think I am a piece of dirt and are treating me like it but I will not back down and I have as you can see attached the documentation a jury will love to see and probably laugh as I do. In the attached you will see they blocked ALL my items I complained about XXXX days ago. Then all of a sudden they came back on my report. They took off a valid address I had also. I am at a loss for words and appreciate your help. I am planning to file a case against them in XXXX so this documentation and your investigations are a great help in showing a lack of response. I have sent them the police report, I have sent them the FTC report and even had XXXX signed by a witness yet it appears they are purposely trying to cause me great harm and have already cost me in excess of a XXXX $ short sale, a possible job promotion and I had to go to the ER XXXX times now XXXX. My damages are nearing XXXX dollars and all of this just because they refuse to follow FCRA 305B and block XXXX simple accounts that are clearly fraud. Not only that, XXXX are over 8 years old so should not even show up. XXXX are obviously all wrong and show a balance XXXX times the credit limit. So, even if the accounts were in theory mine, XXXX of them should NEVER be on the report in the XXXX place which just shows how they are purposely against me. You watch, they reply to this case and will say " we are investigating with the creditor '' they wont even address the issues of invalid balances, missing an address on my credit profile, showing XXXX accounts over 8 years old, etc. They do not care about me or the government until they get held in a court and have to pay out XXXX XXXX XXXX XXXX dollars. It is a shame and waste of resources. 

ALSO PLEASE NOTE - I WAS ABLE TO RUN MY REPORT DIRECTLY FROM EQUIFAX ON XXXX/XXXX/15 AFTER THEY PROCESSED MY XXXX COMPLAINT IN WHICH THEY DID BLOCK ALL OF THE ITEMS. THEY ALSO HAD MY XXXX XXXX XXXX XXXX ON IT. THIS IS FROM THE EQUIFAX SYSTEM. SO - IT IS CLEAR AS DAY THE ITEMS WERE BLOCKED, MY CREDIT WENT UP TO A XXXX. THIS IS INSIDE EQUIFAX SYSTEM ON XXXX/XXXX/15 IN WHICH I AM KEEPING FOR THE JURY TO GET SOME LAUGHS. THEN 2 DAYS LATER ALL ITEMS ADDED BACK ON, MY XXXX XXXX WENT AWAY AND NOW THEY LOCKED ME OUT OF THE ONLINE SYSTEM?????? I DONT THINK I NEED ANY MORE EVIDENCE BUT HAVE PLENTY!!!

Company response to consumer: Closed with explanation