Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I faxed Equifax 's Fraud Department documents containing a fraud report, my drivers license, utility bill, credit report with the highlighted information, and a request to have the fraudulent accounts blocked on XXXX XXXX, 2015. I spoke with a supervisor in the fraud department on XXXX XXXX, 2015 and she stated only XXXX out of XXXX documents were received and therefore my request to block information pursuant to XXXX of the FCRA is declined. I called today XXXX XXXX, 2015 around XXXX XXXX and spoke with a representative named XXXX on the RED TEAM in the fraud dept. who stated they received my documents and would n't initiate a block because they must forward the documents received on my behalf to the Creditors, and in turn the Creditors would have to agree to remove the information from my report. I told XXXX this is a clear violation of XXXX and I will be filling a complaint with the CFPB and XXXX. I then asked to speak to her supervisor. She came back on the line and stated that her supervisor said the same thing " we ca n't block information, we must initiate a dispute ''. She then proceeded to tell me she ca n't talk to me regarding legal matters and she can only initiate a dispute. I told her by her initiating a dispute for me is actually talking legal matters because she is following protocols under the FCRA to initiate a dispute. I asked to speak to her supervisor. 

XXXX took over the call and proceeded to tell me the same thing " we ca n't initiate a block, only a dispute that must me agreed to by the creditor to remove the information as fraud ''. She then partially quoted a subsection of XXXX " ( c ) Authority to decline or rescind., A consumer reporting agency may decline to block, or may rescind any block ''. I told her to continue reading the entire section of " ( c ) Authority to decline or rescind. '' however, she did n't. I then read her the entire section that states why a Credit Report Agency can decline or rescind a block. Which states " ( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ". None of these circumstances applied to me I continued to say. I requested she reviewed the documents and she did. She stated " they 're unreadable '' I asked which document is exactly " unreadable ''. She stated my drivers license, social security card, and utility bill. I asked if the police report was illegible and she stated yes. And proceeded to read the officers name and location in which it was filed. I told her I was amazed she can read that information but ca n't read my verification documents that were sent at the same time. I also told XXXX that I called in yesterday and was told only XXXX pages were received and my verification documents were legible and the block ca n't be initiated because the supporting documents were not received. XXXX stated " Im sorry you was n't told yesterday your verification documents are illegible ''. I then asked her for a clear statement on why my request for a block would not be honored and was told " Because your documents are illegible and we would create a dispute, and forward the documents to the Creditors, and if they agree to remove we will. Because we at Equifax have no way to block information. '' I then ended the call with the supervisor.

Company response to consumer: Closed with explanation