Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please do something about this malicious, fraudulent company Equifax, whatever model they use to report credit data is untrue, discriminatory, and is not a fair, legal model. This harmful information is damaging my reputation, limiting my way of life and negatively impacting my ability to obtain credit. 

The databse has already proven to be insecure, dishonest and bias. FOR NO REASON WHATSOEVER they continue to drop My credit score when there is NOTHING being reported, this is the second time for NO REASON WHATSOVER! 

Only positive things have happened to my account, from XXXX to XXXX, both XXXX  and XXXX have gone up over 100 pts because they have reported fair, accurate information. They have been easy to work with, call, log in, and communicate with, I have not had any problems with them. 

- But this unethical and unlawful company Equifax can not, and refuses to give me any information one way or another.

- Their representatives have not helped at all, they have claimed over the phone they can not do anything because the system is down ... For two months? I have called several times. In  XXXX, in XXXX and in XXXX and I'm still being given the same run around. 

- I can not log in or create a log in online, I never created a log in ; yet they're records show someone has already used my ssn to set up a log in account. 

- I have attempted correspondence by mail, in which i sent images of my drivers license, social security even had the letter notarized by an offixernof the state verifying my identity and they still responded with : they need verification of identity, that they do not even have a file on my name! 

- If there is no record of account with my name how can you report slanderous, negative, malicious information about me? How can they claim it is accurate information and you can not even verify my identity? This is a dishonorable company misinforming lenders and swindling consumers for their information. I demand some type of stop be put to this underhanded behavior. 

XX/XX/2019 and XX/XX/2019 my score dropped 50 pts, and no activity was recorded both times, and this is ONLY EQUIFAX. So the 100 points of hardwork I put in to remove false info from my credit report is as if i have done nothing! 

I want to know why, I want to know who and what is reporting when i have no activity. Only account deletions and removals. 

They state there is no change on my report, no activity, no new accounts, no delinquent payments, no reason for the drop, nothing! I have gotten accounts removed, I have satisfied accounts : XXXX and XXXX both have went up over 100 pts. 

- But equifax constantly unjustly erases any progress I have seen by these two drops in credit score that they refuse to explain. 

I have called and gotten nowhere, I can not log online, they say someone is using my social security number already and i have never even made an online account. 

I have sent mail, they say they can not even find a file. I want this fradulent company to stop purporting that they are conducting fair business in good faith. When they are in fact a very shady, dishonest, company using underhanded dirty tricks and business methods/models ; not being transparent with the consumers and customers.

Company response to consumer: Closed with explanation