Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
What happened is a bureaucratic circle by Equifax, XXXX and XXXX to avoid removing closed accounts, old milling addresses, public information, inquiries, and late payments after specific after many attempts to remove/delete requested information from my consumer credit file. XXXX XXXX XXXX  spent with credit repair companies, and an exhaustive, frustrating and stressful effort on my part via letters, and attempted telephone calls. In many case my private information have been shared without my consent where permissible purpose never provided. When advised that I was affected by Equifax data breach XXXX data breach, XXXX data breach XXXX, and XXXX hacked recent hacked. When asked to investigate these breaches and hack, no evidential response provided. In the meantime, as a XXXX veteran of the United States XXXX, my XXXX XXXX XXXX XXXX XXXX  XXXX ) condition worsen, mental health affected, XXXX XXXX XXXX due to unnecessary stress, Defamation of character resulting from credit card Denial, and multiple mortgage loan denials. 

Here are some actions have taken EQUIFAX : XXXX XX/XX/XXXX : formally notified of reporting inaccurate and incomplete credit information XXXX XX/XX/XXXX : formally notification of inaccuracies and incomplete information in credit file. The agency was requesting addition privacy information previously submitted in an attempt at avoiding to conducting required investigation. 

XXXX XX/XX/XXXX : an unclear response submitted by the agency under confirmation # XXXX that did not address the myriad of discrepancies reported. 

XXXX XX/XX/XXXX, I lost my job due to company downsizing and potential due to my age ( XXXX ), and followed by significantly impact due to COVID-19. For more than two ( 2 ) years the agency continue to report incomplete and inaccurate information in my credit file without my consent. 

XXXX : XXXX XXXX formally notified of of reporting inaccurate and incomplete credit information XXXX XX/XX/XXXX : formally notification of inaccuracies and incomplete information in credit file. The agency was requesting addition privacy information previously submitted in an attempt at avoiding to conducting required investigation. 

XXXX XX/XX/XXXX : AGENCY responded with With a generic response stating that Disputed items verified and updated. There were no documentation showing my consent. 

XXXX XX/XX/XXXX, I lost my job due to company downsizing and potential due to my age ( XXXX ), and followed by significantly impact due to COVID-19. For more than two ( 2 ) years the agency continue to report incomplete and inaccurate information in my credit file without my consent. 

XXXX : XXXX XXXX formally notified of of reporting inaccurate and incomplete credit information Online disputed in XX/XX/XXXX timeframe : agency responded XX/XX/XXXX under report # XXXX whereby requesting private information previously submitted. 

XXXX XX/XX/XXXX : formally notification of inaccuracies and incomplete information in credit file. The agency was requesting addition privacy information previously submitted in an attempt at avoiding to conducting required investigation. 

XXXX XX/XX/XXXX, I lost my job due to company downsizing and potential due to my age ( XXXX ), and followed by significantly impact due to COVID-19. For more than two ( 2 ) years the agency continue to report incomplete and inaccurate information in my credit file without my consent.

Company response to consumer: Closed with explanation