DEAR SIRS : AFTER RECEIVING PRISTINE REPORTS FROM XXXX AND XXXX, I RECEIVED A LETTER FROM EQUIFAX STATING THAT I NEEDED TO SUPPLY A COPY OF MY W-2, PAYSTUB, SOCIAL SECURITY CARD ETC. TO VERIFY MY IDENTITY. I HAVE ATTEMPTED TO USE EQUIFAX 'S ON-LINE CUSTOMER INTERFACE AND CORRECT WHAT COULD ONLY BE THE RESULT OF A COMPANY THAT SIMPLY DUMPED INFORMATION INTO A DATABASE FOR YEARS WITHOUT EVER USING ANY PRE-PROCESSING SOFTWARE TO USE VARIOUS INDUSTRY STANDARD DATA VERIFICATION CHECKS THAT DO NOT GUARANTEE THAT THE INFORMATION BEING PROVIDED IS CORRECT, HOWEVER, IT FILTERS OUT AND RETURNS WHAT WOULD BE XXXX. I HAVE NOTICED THAT EVERY ENTITY THAT PROFITS BY A CONSUMER 'S FICO SCORE BEING LOW WILL ALWAYS USE EQUIFAX 'S REPORT ALONE BECAUSE IT IS THE MOST ERROR RIDDLED REPORT A CONSUMER WILL EVER RECEIVE AND ALMOST IMPOSSIBLE TO CORRECT. I HAVE SPENT 3 YEARS WITH NO PROBLEM AT ALL WITH THE OTHER XXXX CREDIT BUREAU 'S WHO ALSO RECEIVED THE IDENTICAL INFORMATION OVER THE PAST TWO DECADES BUT SOMEHOW MANAGED TO ORGANIZE IT AND POPULATE IT WITHIN THE CORRECT STANDARDIZED FIELDS, HOWEVER, WHAT IS DISPLAYED ON AN EQUIFAX REPORT COULD ONLY OCCUR IF THE COMPANY PURPOSELY TOOK WHAT WAS OBVIOUSLY NOT A PRESENT, PAST, OR COULD EVER BE A HOME ADDRESS AND POPULATED MY HISTORY FIELDS. I HAVE BEEN A XXXX OF WEST VIRGINIA FOR OVER XXXX YEARS AND ALSO A XXXX AND XXXX FOR 30 YEARS. IF MY IT DIVISION PROVIDED THE TAXPAYERS OF WEST VIRGINIA WHAT IS BEING PROVIDED BY THE FEDERAL GOVERNMENT BY ISSUING A LIFETIME CONTRACT TO XXXX CREDIT BUREAU 'S YET IN NO WAY PROVIDING THE US CITIZENS OF ANY SEMBLANCE OF OVERSIGHT. MOREOVER, THE SO CALLED CREDIT AGENCIES, WHICH ARE NOTHING MORE THAN PRIVATE COMPANIES THAT PROVIDE THEIR PAYING MEMBERS WHATEVER KIND OF REPORT, IMPLYING WHATEVER THEIR MEMBER 'S REQUEST IT TO IMPLY. ANYONE CAN TAKE DATA AND CREATE A REPORT THAT SPINS IT TO PROVIDE A FALSE CONCLUSION THAT SIMPLY CATEGORIZES THE DATA TO IMPLY A NUMBER THAT IS MEANT TO LEAD THE READER TO THE CONCLUSION THEY NEED. THE PRESIDENT IS FAMOUS FOR USING INCREASES IN THE NUMBER OF JOBS TO IMPLY THAT UNEMPLOYMENT IS DROPPING. HE REALIZES THAT WHILE THE NUMBER OF PEOPLE WORKING INCREASED, THEIR AVERAGE SALARIES HAD DRAMATICALLY DECREASED. THAT AN UNEMPLOYED WORKER WHO WAS PREVIOUSLY MAKING AN ANNUAL SALARY OF $ XXXX BUT AFTER TWO YEARS SETTLED FOR A DIFFERENT POSITION THAT ONLY PAID $ XXXX. HOWEVER, IN XXXX COLUMN OF A FACTUAL REPORT, THE NUMBER OF WORKERS ON UNEMPLOYMENT DID DECREASE AND THEREFORE HE FOCUS 'S ON THAT FACT RATHER THAN WHAT THE REPORT ACTUALLY INDICATES REGARDING OUR ECONOMY. THIS SAME STYLE OF USING THE NUMBERS TO BENEFIT THE REQUESTOR IS ACTUALLY FACTORING INTO WHAT IS KILLING OUR ECONOMY. AND ONCE I RELEASE MY REPORT TO THOSE WHO CONTRACTED ME TO PROVIDE IT, I WOULD ASSUME THAT THE TRUTH WILL SOMEHOW MAKE IT INTO THE PUBLIC VIEW. ALTHOUGH XXXX ON CREDIT AND FICO SCORES PLUS INSURANCE SCORES. WHAT I REVEAL IS THAT THE ENTIRE PROCESS IS A HUGE SCAM THAT IS SUPPORTED BY THE US GOVERNMENT! THE MAJORITY OF CONSUMER 'S " DO NOT '' UNDERSTAND HOW TO READ A CREDIT REPORT, LET ALONE TRY TO HAVE THE ERROR RIDD INFORMATION CORRECTED. I HAVE SPENT THE MAJORITY OF MY CAREER BETWEEN XXXX AND XXXX XXXX SUCH AS XXXX XXXX AFFILIATES AND THE ASSOCIATION OF FINANCIAL PROFESSIONALS ( XXXX ). XXXX. AND I CA N'T EVEN GET EQUIFAX TO REMOVE MY VOLUNTEER POSITION IN 1990 AS XXXX FROM BEING MY ONLY KNOWN EMP HIST! OR MULTIPLE RESIDENCES SUCH AS THE XXXX XXXX! THIS IS BY FAR THE MOST CORRUPT AND INEPT SYSTEM SANCTIONED BY THE FED GOV. FALSELY REPORTING CREDIT, THEREBY TANKING OUR ECONOMY! BUT ITS NOT ABOUT RISK, ITS ABOUT ROI FOR THE 1 %. XXXX XXXX XXXX, XXXX