Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax falsely reports information and did not correct errors as far back as official complain XXXX. It has caused multiple set backs and adverse actions on credit negatively effecting myself. Refused to give copy over phone in writing and now by contacting after again denied credit card due to false information not corrected yet they shared with my personal bank. I was notified by my bank and equifax has still refused to send the feedback copy of report used to determine this that I am allowed by right to dispute. This company has known of identity fraud as also breach by this company occurred in XXXX. 
XXXX Fixed errors and sent report around XX/XX/XXXX it is now XX/XX/XXXX, problem over the phone has now stated I failed to pass identity questions when infact XXXX they provided I am not associated with and is not on my report therefore inaccurate information given to even identify myself the caller and this has now delayed application submissions for living/ housing as faced with hardship. The credit bureaus continue to cause more harm as they have not investigated as requested in XXXX to XX/XX/XXXX and eventually I had to fight for freeze as told they could not do this either. I XXXX XXXX note my rights to review and at least offer a way to receive such information by proving in another way such as through mail have not been given. This remains the same for XXXX as they confirm removal of false inaccurate information to me in a report yet report to creditor 's or venders/ XXXX parties other false information. I need to report this as it has gone on over 3 years and has greatly effected me and my children 's life especially during the pandemic when everything has been converted to electronic pay and identity style structured technology systems. The Social Security and Postal Service also are effected and I have already requested lift off of freeze until I call in to place back on and noted I would have to pay a fee as this is suppose to be offered free as identity theft protection. Note Annual credit report also has been denied several times to me during the pandemic when it has been available for free for everyone. My information was taking and company XXXX took unauthorized {$29.00} out of my private banking account that I had to dispute as well and now I am unable to even supposedly verify myself on there phone verification. I need my reports I have the right for errors to be corrected. I can not get this as bureaus with-hold my information just as the post office continues to cause havoc to my right to mail. Lastly note all information was provided such as ID, social Security Card and Address proof birth certificate and still 3 years no help this has caused XXXX XXXX and XXXX to have identity in question this long and negatively impacted as well the government ran programs I am on the discriminate and retaliate for all this that is out of my control and yet it is used against me.

Company response to consumer: Closed with explanation