Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: PA
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:
THIS IS NOT A DUPLICATE ENTRY. 
IT IS A COMPLAINT FOLLOWING UP THE MANNER THEY ARE CURRENTLY HANDLING A SITUATION ABOUT THEIR CONTINUED LACK OF ACTION AND ITS EFFECTS. 
I am writing this letter as a response to the documents I am attaching as a formal complaint regarding Equifax Credit LLC and their REPEATED ignoring my requests to block a legitimate case of fraud and identity theft. 
Equifax, as I have complained about before, continues to send canned cut and paste responses from numerous employees that simply ignore my issues, and sidestep dealing with the victimization properly. When I have spoken to agents in person, they unanimously agree the items should be blocked and agree that the responses are not valid, and that the XXXX report that they have been provided with DOZENS of times is a proper law enforcement agency as they serve this role in the State of Pennsylvania for cases involving the vulnerable population. 
However, Equifax continues to send contradictory and often unclear responses. 
Equifax recently changed my report to show a XXXX XXXX account, which is clearly part of this widespread fraud documented by law enforcement, to show comments on it that are deragotory in nature. The account is not mine, and I did not open it myself. 
As a result, it lowered my score substantially again and moved me into the poor category. I was then denied housing as I do not mee the minimum score. 
I am currently homeless, and fleeing a XXXX  XXXX situation. The law enforcement report also notes that my XXXX  son was XXXX abused by a woman in the home and this is obviously making it impossible for me to care for him and his special needs. We are both part of the vulnerable adult/child population so these errors affect us exponentially. 
There are multiple items on the report that Equifax refuses to remove and address, and multiple inquiries that lower my score ( or would make it harder to find a home/credit ) that they refuse to remove despite it being fraud. It is not simply a record of actual inquiries as they say they are a record of fraud that impacts me due to their negligence. 
Equifax needs to block the items immediately, and simply stating that the vendor responded and verified this information belongs to you and is up to date does not address the fact that it is fraud and my name could have been made by the person ( s ) who victimized me as evidenced in the law enforcement report naming me as a victim in their possession. 
I am attaching, again all the information ( not listed above already ) to this document and adding multiple items that show I am a victim and have been attempting to address this for months if not years. 
Documents attached contain EVERY PIECE OF INFORMATION THIS AGENCY HAS ASKED FOR often MULTIPLE TIMES. 
I DO NOT think the agency is bothering to look at the documents now or in the past to identify this. 
These are the items in question, however there continues to be others as the agencies when they realize it is legitimate fraud simply resell it to someone else.

Company response to consumer: Closed with non-monetary relief