Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was involved in the well-documented Equifax data breach. I am unsure why Equifax has a problem with me, but they continually treat me badly. They are removing GOOD accounts that were paid in full ( XXXX XXXX ) and refuse to allow me to dispute account information online, or over the phone. 

I have been locked out of My Equifax. I have been berated by their overseas representatives. And I am still yet to be shown their MOV ( method of verification ) of ANY dispute that I have requested. 

I recently sent them a formal dispute regarding the completeness of listed information. Under FCRA 609, I have the right to request verification of ALL records pertaining to accounts on my report ; if said accounts are not verifiable, they are to be removed. I sent that Certified Mail, which was sent on XX/XX/XXXX ( USPS Tracking #  XXXX ) Over the years, I have dealt with many, many issues beyond the data breach with Equifax. More than any consumer should have to deal with. 

I fully expect a thorough and fair verification of the following accounts ( this does NOT mean using E-Oscar to exchange records ) : | | XXXX XXXX - XXXX agreed to remove per phone call on XX/XX/XXXX. 
Reported : XXXX XXXX, XXXX {$10000.00} | XXXX XXXX XXXX XXXX - belongs to someone with same or similar name Reported : XXXX XXXX, XXXX {$3400.00} | XXXX XXXX  - never paid late. Should show a {$0.00} balance, pays as agreed Reported : XXXX XXXX, XXXX {$200.00} | XXXX / XXXX - belongs to someone with same or similar name Reported : XXXX XXXX, XXXX {$880.00} | XXXX XXXX - belongs to someone with same or similar name Reported : XXXX XXXX, XXXX {$890.00} | XXXXL/XXXX  - belongs to someone with same or similar name Reported : XXXX XXXX, XXXX {$2500.00} | XXXX XXXX/XXXX  - belongs to someone with same or similar name Reported : XXXX XXXX, XXXX {$5100.00} | XXXX/XXXX  - belongs to someone with same or similar name Reported : XXXX XXXX, XXXX {$1500.00} | XXXX XXXX XXXX - too old to be on report ( should have been removed in late-XXXX ; Date of first delinquency, and subsequent late payments, started in early-XX/XX/XXXX) Reported : XX/XX/XXXX {$0.00} | XXXX XXXX XXXX - too old to be on credit report ( should have been removed in XXXX ) Reported : XXXX XXXX, XXXX | XXXX XXXX - XXXX - I terminated service and do not owe a bill. Verify ALL data points. 
Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name {$1500.00} Needs attention These accounts need to be RESTORED : XXXX XXXX Closed on XX/XX/XXXX - pays as agreed XXXX XXXX Closed on XX/XX/XXXX - pays as agreed These inquiries need to be removed ( all belong to someone with same or similar name ) : XXXX XXXX from XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XX/XX/XXXX/XX/XX/XXXXInquiry fromXX/XX/XXXX Miscellaneous XX/XX/XXXX/XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX , XX/XX/XXXX.- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX , XX/XX/XXXX.- Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation