Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Equifax ov er 8 weeks ago and asked them to rem ove the fraud alert that was placed on my credit file. They then requested that I fax over a copy of my identification and other docs to prove my identity. These items were faxed and mailed into the company/ Equifax  ( I have proof it was recieved ). On  X/XX/17 - I went to my   credit union-  XXXX   XXXX   XXXX  FL and applied for a car loan. The bank rep then told me that they could not see anything  on my file due to the block still being present on my file. I then told the bank rep to try again and she went to get the bank manager to figure out how to look at my report but to no avail- the bank manager  said the block- fraud alert was still present and hindering them from looking at my report to extend credit to me. I then left and called back to Equifax. I was on hold for more tha n 15 min utes before a rep came online and assured me that there was nothing hindering the bank from looking at my report. However, she gave me a fax number and told me to resend the information.  XXXX  I resent the identification information and was given the confirmation number #  XXXX . I then went the next day to  XXXX   XXXX   XXXX   XXXX  and was told that they were not able to view my credit report because of the fraud alert/ block that was still present on my file. As of this date- the banks are  stating the fraud alert/ block is still present on my file and this is hindering me from applying for credit. The bank manager has stated that they are unable to see any information on my credit report. After there were no results on the behalf of Equifax  XXXX  I filed a complaint with the  Better Business Bureau o n  X/XX/17.  The complaint was detailed and sent to them as listed in this complaint. However, wh en I received a response from the credit bureaus on  X/XX/17 - they addressed an inquiry issue as if that was the chief c omplaint of my intial complaint filed against them. They totally and intenetinally failed to address my complaint at all and wrote me about something totally different which was not an issue for me.   Again, I went to the bank on  X/X/17    after speaking with Equifax on the phone about correcting my report so that the bank could view it. The bank-   XXXX   XXXX   - told me that the bloc  k was still listed on my credit file and that there was a code   XXXX    listed as if someone had tried to do fraud on my credit report.  II  resent my identification to them and asked them to remove the code- and the fraud alert/block from my report so that the bank could access my report.   X/XX/17 -  I went back to   XXXX   XXXX   XXXX   and applied again- the bank  manager  had me to call equifax while presnt in the bank because the bank could not access my report again because of a code   XXXX  being listed and block was still showing when the bank pulled my report. The Equifax manager insisted that it w as nothing showing on their end. However, I know the bank was not lying becasue they showed me the information XXXX     Code   XXXX  and block ) which was showing when my Equifax credit file was pulled. It stated " Applicant retur n Code   XXXX , File found- no info returned- inquiry contains elements potenmtial fraud abuse ''.  <P/> For the record- I have not been a victim of fraud and have sent them information to verify my identity and to remove the fraud alerts. Their negligence has been atrocious and has caused me to be denied credit for the past 4 months because the bank can not see my credit file due to som ething they gave done to my equifax report. No matter how many times I have sent the information Equifax requested- they have failed to remove and or correct my personal information. Enclosed, you will see that they refuse to  correct my name as listed onm my license according to the report they mailed in  XXXX . These are ALL violations of my consumer rights and I understand that their negligence has been careless and reprehensible. The FCRA has stated they are to report accurate informaton and they have failed to do their jobs.  <P/> Please see the informatioon fr om the BBB e nclosed along with my identification.

Company response to consumer: Closed with explanation