Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is refusing to block items on my credit report. First off, in XXXX I noticed I was a victim of ID theft after my wallet was stolen at XXXX. A police report was filed for the theft and also for the ID theft as well as an FTC report. I was also notifed by the Attorney General someone was using my ID. I blocked XXXX items on my credit report that were added with Equifax. Then, in XXXX I noticed XXXX other items on my credit report. I notified Equifax who refused to block them. I then had to go to XXXX ( where crime took place ) and file a new Police Report and a new FTC report because Equifax was being nearly impossible. I spent over XXXX $ just on time and papers and envelopes, etc. to get them to try to understand. So, as I ask to block the XXXX new items that were clearly ID theft, Equifax in XXXX accidentally deleted my ENTIRE credit file. After XXXX hours on the phone the lady told me they know what happend and to give them XXXX hours to rebuild my credit profile. I said ok. XXXX days later I ran my report and not not only do the new XXXX items appear but so do the original once I blocked year ago. Now, I have a total of XXXX items that are not mine appear. Trying to explain this to equifax was like trying to tell a XXXX year old how to fly a plane, they just do not get it or understand anything. I am attaching for you the report in XXXX where you can see XXXX XXXX XXXX and XXXX XXXX do NOT exists. They do not exist in XXXX of XXXX becuase they were alreayd blocked. When they redid my credit profile after deleting my entire report, then all of a sudden you will see these accounts pop up in the XXXX XXXX report. However, you can see the XXXX XXXX and XXXX XXXX are from XXXX and even XXXX from XXXX. So amazing how they pop up in XXXX when they were not on in XXXX. The guy on the phone with Equifax was blaming it on the creditors. I told him he is nuts. He just did not get it. I then mailed them all the info several times. They just run you in circle. Then the latest I got back was that they wont block the info but will investigate. WHAT? They alreayd had it blocked, now going to investigate. Why? I supplied the ID theft, the police report etc. Of course if they call the company from XXXX they will say the account was opened and closed but it was not MY account, I was a victim of ID theft. So now I am going to all these creditors to ask them can you please explain to Equifax that the accounts existed but they were not by me and not in XXXX. I am in XXXX. These were accounts used by someone pretending to be me. The creditors did NOT go to collections because they knew, yet Equifax just does not listen. It was clear what needed to be blocked yet they dont. I attached the XXXX reports, I attached the response on how they wont be blocking it. What right do they have? Under the FCRA 305b I i filed my police report and ID theft report. They have no right to tell me what they wont do when there system XXXX it all up. Then today I ran my credit again ( I used XXXX and run it daily ) and all of a sudden have a XXXX XXXX on it that shows as collection and skip. What? I have always paid and been good with XXXX and use it daily. Where did they get this information. They are a real mess of a system. My XXXX XXXX even shows paying every month on there report but they say it is in collection and skip. PLEASE HELP ME. This is just the lates and I was laughing but it is not a joke. They are messing with my credit.

Company response to consumer: Closed with explanation