Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: MD
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:
I'm not sure if my situation is actually an Identity Theft issue, or maybe just Identity Fraud.  My problem started in XX/XX/2019. I sold my old car, and went to a car dealership looking to purchase a truck. The dealership attempted to run my credit and then informed me that when they tried to do that the screen said 'FRAUD ' and told me I needed to contact the credit company Equifax . Upon my first call to Equifax, I had to provide them with various personal information to verify that I was my true identity. The person I was talking to then told me that their system was saying that " I was not a US Citizen '', and I was then told I needed to provide them copies of documentation such as my social security card, ID card/drivers license, and birth certificate. I faxed copies of these documents to Equifax. Once they received the documents, they told me they believed the documents to be false/inaccurate and told me I was not a real person. I have continued to contact Equifax several different times, asking to speak to a different person each time when someone was unable to help me or give me answers that made sense. Every person I've spoken to has had an accent that was difficult to understand. At one point, they told me I was speaking to someone from their location in the XXXX. I'm only XXXX years old, so the only credit I have on my profile so far is my bank account and a credit card thru my bank account. Equifax told me my financial institution ( XXXX XX/XX/XXXX ) has not been sending them any information showing the status of my credit items such as my credit card, etc. I spoke to someone at my bank, they sent me information that proved they have provided financial information to Equifax. I have also contacted XXXX  and XXXX  to see if there was anything fraudulent on my credit under my name, and they told me they saw no issues with my profile/credit. When I explained the issue I was having to XXXX, they said they were not able to help me and that I need to contact Equifax. 
This leads me to believe, that this issue might not be an Identity Theft issue, but maybe some type of internal issue with Equifax the company. At this time, I am unable to go about my normal life purchases due to this " issue '' with my credit report and Equifax. My ability to get a loan and purchase a vehicle is on hold because of this issue. I'm supposed to go with my family on a cruise next year but I can't make my reservation until I can get this issue with my " credit profile '' resolved. I currently have a passport, but I'm afraid if I attempt to travel, my passport or driver 's license could be flagged for something I know nothing about. I contacted a lawyer in my area but they did not think they would be able to help me and suggested I contact someone in the XXXX area. I'm hoping you might be able to help me and provide some kind of guidance as to how to solve this mystery/issue. Every time I contact Equifax, I can't seem to get anywhere, nobody that I've spoken to at this company seems to know anything that's going on, and they are not able to provide me any kind of resolution, etc.

Company response to consumer: Closed with explanation