Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I initially sent in a inquiry dispute letter to Equifax on XX/XX/XXXX disputing multiple inquires. I have never receive a response from Equifax and it has been over 30 days. I also have tried calling Equifax multiple times on XX/XX/XXXX,XX/XX/XXXX, and I tried calling them on XX/XX/XXXX. I stated each time the inquires were not authorized by me and they were authorized by third party companies or someone who had unauthorized access to my social security number. They told me that there was nothing they could do each and every time or I was transferred many times with no assistance and I was hung up one time. When I called on XX/XX/XXXX I told them that I also now know that the inquires in dispute were a part of the Equifax breach and they still would not take any action to remove them. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. This is a violation of the fair credit reporting act. Here are the inquires below that I would like remove : XXXX dates are XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dates are XX/XX/XXXXandXX/XX/XXXX XXXX XXXX XXXX XXXX 2nd complaint : I have sent Equifax several dispute letters disputing 2 bankruptcies reference XXXX and reference XXXX that are not mine and originally Equifax had the wrong birthdate on file for me for many years until it was updated a month ago when I sent in a copy of my drivers license. They also have the dates listed on bankruptcy XXXX as XX/XX/XXXX and for bankruptcy XXXX the dates listed XX/XX/XXXX. There are no such dates! I am also requesting the removal of the two bankruptcies listed below from my credit report due to XXXX XXXX et al. v. XXXX XXXX XXXX XXXX ( case XXXX ). They had my birthdate listed asXX/XX/XXXX when in fact my birthdate is XX/XX/XXXX. I informed them that the bankruptcies they have listed was a case of mistaken identity. I also have asked Equifax several times to provide me with proof and a name of who they verified the bankruptcies with, after several requests for proof they have been unable to provide me any documents to prove that these are my accounts. The courts have stated they do not verify with anyone for any type of verification a person must come in a filled out a form, if this has been done I need to see the proof. Otherwise Equifax can continue to release and publish erroneous information about consumers. I originally sent in a dispute letter in onXX/XX/XXXX andXX/XX/XXXX. Both disputes stated they verified with XXXX XXXX but my XXXX XXXX  consumer report has been frozen since XX/XX/XXXX, so I would like to know they verified with, it is unlawful to enter something on a person report and there is no proof to validate it. My last dispute was responded too within 3 days from when Equifax received it. How can they verify a bankruptcy in 3 days with no proof? I then called XXXX XXXX asking them to confirm that the freeze was in place and they confirmed when a freeze is in place no personal information could be release without my authorization. It is my belief that Equifax is engaging in dishonest and deceptive practices by stating they obtained information when they have not and are unable to provide any proof. I know a investigation was not conducted it only took them 3 days to respond on my last response. Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

Company response to consumer: Closed with explanation