Consumer complaint received 2017-10-17
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: Was not notified of investigation status or results

Complaint:
This is a problem that I have brought up several times to Equifax, but they have never acknowledged the problem exits, in spite of multiple requests and letters. Since XXXX of XXXX I have not been able to secure an online account with either XXXX or XXXX because they rely on credit data supplied by Equifax and Equifax 's credit data on me is incorrect. Each question, every time, has to be answered " None of the Above '' because the questions do not pertain to me. This has caused me untold XXXX because I am XXXX and NEED to access both of these government accounts online. How many other government accounts can I be locked out of because Equifax has not supplied them with correct credit information on me? 

I sent Equifax a detailed letter with over XXXX pages of documentation back in XXXX which explained this problem ( and that of XXXX bogus addresses which have not been removed ) and the only response I received was a Credit Report which mentioned nothing of my problem. 

Equifax 's OWN website locks me out. I literally have dozens of pages of screen shots which show the Security Questions which I have received ; NONE OF WHICH PERTAIN TO ME! 

Last night I once again tried to log into Equifax 's website based on XXXX different online disputes which Equifax had emailed me saying were completed. I have attached the email and screen shots for both complaints. ( Confirmation # 's XXXX and XXXX ) Each attempt asked me XXXX security questions for a total of XXXX questions between them. ALL XXXX questions on both ( XXXX in all ) DID NOT PERTAIN TO ME!! 

They are : Confirmation # XXXX XXXX ) question about an auto loan -- I have NEVER had an auto loan in my life, so the answer is " None of the Above. '' ( XXXX ) XXXX XXXX How much money am I paying on this auto loan? XXXX, XXXX. 
XXXX ) Question about an " installment account. '' I 've NEVER had an installment account in my life, so the answer is XXXX. 
XXXX XXXX How much money do I pay on this installment account? XXXX. 

Confirmation # XXXX XXXX ) Question about a retail card opened in XXXX of this year XXXX XXXX ) -- I do n't have any retail card, so the question is XXXX. 
XXXX XXXX Question about a " bank card '' opened around XXXX of XXXX. I do n't have a bank card and have never had any relationship with any of the XXXX choices of finance companies. So, XXXX. 
XXXX ) Question about a mortgage opened around XXXX of XXXX. I DO have a mortgage opened in XXXX of XXXX, but it is not with ANY of the XXXX banks listed in the question. So, XXXX. 
XXXX XXXX How much do I pay for this monthly mortgage? XXXX, XXXX since I have no relationship with any of these banks. 

There are XXXX questions, ALL of which I had to answer XXXX XXXX XXXX XXXX XXXX XXXX ). NOT XXXX of these purported credit cards or installment loans or car loans show up on my Credit Report!! XXXX XXXX attached. ) I have NO WAY of figuring out where Equifax is getting these supposed credit files from!! My credit report DOES show that I have a mortgage opened in XXXX of XXXX, but it also clearly shows the name of the bank that I have the loan with -- and it is NOT any of the XXXX banks in the question above!! 

If NONE of the questions EVER pertain to me, how am I supposed to be able to access ANY online account that relies on Equifax for their Security Questions? 

When I have tried to talk to Customer Representatives about this problem, they have accused me of NOT KNOWING my own credit history! They will NEVER acknowledge that the problem could be on their end. Both XXXX and XXXX have correct information on me and I 've never been blocked on any attempt to log into their accounts. It is only happening with Equifax! 

This has been a great hardship on me as I 've been trying to get access to these online accounts for more than XXXX months now, and Equifax is blocking me. I want to XXXX and move on with my life, but I NEED to have online access to these government accounts in order to monitor my activity effectively!

Company response to consumer: Closed with explanation