Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: NV
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've reached out to Equifax countless times to address the many and erroneous entries they're reporting inaccurately to my credit file. Although, I've included hard proof of inaccuracy and incompleteness to this file, they've " verified '' the accounts I have shown are unverifiable as they're missing information, have invalid information and are simply not mine. 

On XX/XX/XXXX, I sent correspondence about the false information being reported to my file and requested further information and deletion of this erroneous account from XXXX XXXX XXXX. I was sent a " verified '' letter dated XX/XX/XXXX and I waited for the details I requested, I was sent nothing. On XX/XX/XXXX I sent a follow up demanding a re-investigation and contents of this investigation. I was sent nothing in return and this account remained " verified '' on my credit file. At this point, this one account I had tunnel vision one is reporting illegally as there were no findings or proof produced showing maximum accuracy of this debt. 

Since I received nothing to my method of investigation request, I took a further look into my credit file to see what else could be reporting false or inaccurately. To my surprise, there were accounts that were total surprise to me. I sent a letter asking for proof of validation or deletion of these accounts and all these accounts were " verified '' although I have no knowledge of any of them. I've reached out to these companies and they sent information that's inconsistent with my personal information and simply not mine. Although this has been proven and I've shown inconsistency, these accounts remain on my credit illegally. 

In XX/XX/XXXX, I pulled my consumer report to start the new year by housing the correct information on my credit file for maximum accuracy. After dealing with devastating life happenings that put my personal and confidential information in compromised positions, such as data breaches or personal information loss from moving around I was worried about fraud activity. In effort to correct my personal information, I sent Equifax my correct and final information, asked for deletion of any other addresses, names, employers or numbers as they were not mine and sent verification of my correct address, name and identification proof. Although I took the proper steps as a consumer, Equifax is still housing incorrect personal information which in term is making it difficult to feel at ease with false information reporting on my file. 

Not only are these errors damaging to my creditworthiness, they're also affecting me while in the process of finding a safe home for my family during a difficult time. I've specified that to these heartless people and they've done none of the procedures to ensure that my rights as a consumer are met at the full extent of the law. One account is even past 7 years old, which is grounds for immediate deletion and somehow it's still there.

Company response to consumer: Closed with explanation