Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX both ran hard inquiries on my credit report. I did not authorize theses companies to do so, and I do not have any business related to those companies. 

On XXXX, XXXX I contacted Equifax asking them about these hard inquiries, and Equifax responded that I had to contact the companies directly in order to solve this issue. 

On XX/XX/XXXX, I contacted XXXX XXXX through certified mail asking about the hard inquiry and to please remove it from my credit file since I did not recognize it and therefore is affecting my credit worthiness. Today, almost 60 days has passed, and the company still has not answered. 

I contacted Equifax on XX/XX/XXXX, sent them all the information about the XXXX XXXX case, advising them that XXXX did not answer my request at all, meaning they did not respond in any way. I also included a copy of the certified mail letter confirmation. Equifax, in the first week of XXXX, XXXX, answered that they could not find my credit file and that I needed to provide to them identification items ( i.e. copy of my social security card and ID ). 

On XX/XX/XXXX, I contacted Equifax again, providing all the information that they requested to confirm my identity, such as the copy of my Social Security Card and my State Issue ID together with the letter that I received from Equifax. All this with the intention to proceed with the investigation of the XXXX XXXX inquiry. 

As a separate matter, on XX/XX/XXXX, I contacted Equifax, in order to investigate the inquiry made by XXXX XXXX XXXX. At this point, I included in the letter my Social Security Card and my State Issue ID so Equifax did not request this information again, delaying my request and saying that they could not locate my credit file. 

On XX/XX/XXXX, I received a letter from Equifax dated XX/XX/XXXX, stating that again, they could not locate my credit file regarding the XXXX XXXX XXXX XXXX. I find this to be inaccurate that they could not locate my file, given I sent them my Social Security Card and State Issued ID. 

I also received a letter from Equifax dated XX/XX/XXXX with my full credit report. This letter was in regard of the XXXX XXXX investigation, which they affirmed that they could not locate my credit file. As I explained before, I had responded to their initial request for the information it, with my Social Security Card and State Issued ID. I never once requested this report. My doubt remains, why did they send me a copy of this report, when they supposedly can not verify my identify and no information about the investigation?

Tomorrow, again, for the 3rd time, I am sending Equifax, a dispute letter including XXXX XXXX XXXX and XXXX XXXX 's hard inquiries. I am going to include both certified mail letter confirmations where it shows that the companies have not answered my letters in over 60 days. I am also including my Social Security Card and my State Issued ID, for the second time now, so Equifax can verify my identity and locate my credit file. I also submitted a dispute online through their web portal. 

I am writing this complaint, since Equifax is not taking responsibility in providing accurate information on my credit file and also not providing an investigation when information is not accurate. Adding to this, Equifax in multiple opportunities, has said that can not " locate my credit file '', but at the same time they have sent me my credit report. How can they do that if they can not locate it?

Company response to consumer: Closed with explanation