Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Ms . XXXX & Office of Consumer Affairs Office of Consumer Affairs Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX from office of OCA & Equifax I am writing to explain a host of mal-practices I have endured since my return from military duty from XXXX. To begin, there are several situations that have made feel that I am being treated unfairly. However, there is this one moment that still lingers in my head. Upon my return to the States, I was informed that my credit file wasnt locked due to a computer glitch/breach. Dismayed, I wondered how is it possible for an entire entity with the stature of Equifax, neglected to successfully place a military hold on my account. The situation bothered me since I was sure that I had not done anything wrong. Since XX/XX/XXXX, I have called and asked to be transferred to the supervisor of OCA. Literally, I called each day and have phone records attached to verify the hours spent on phone calls to Equifax. I have spoken with several helpful agents in the OCA ( XXXX, XXXX, XXXX, XXXX, XXXX ) and have spoken to agents who have subjectively blown me over as though my concerns had no adherence. These agents ( XXXX, XXXX, and XXXX ) have either mocked my military service or denied me access to receive a call back from Ms. XXXX. Foremost, I thought XXXX  being XXXX by XXXX XXXX XXXX  while in XXXX was bad, and things could not get any worse, it did. 

The main reason I thought I was facing this treatment was due to my military XXXX background. They were fond of using and then sayings you shouldve never listened your XXXX president to your service in the military has nothing to do with me. Suffering from an XXXX  case of XXXX, I did not know a lot about what would come next, so it had a substantial negative effect on mefurthering my ailments   and worsening my XXXX XXXX experience I endured since my arrival back in the US. My initial response was to sit back and do nothing about it. I never retaliated, just went back to my quarters on base when the mocking commenced ( mainly from the fraud department and members of the OCA previously mentioned. It was like I was in the warzone all over again, listening to chants death to America. 

It's funny how we grew up saying " sticks and stones my break my bones but words will never hurt me ''. It's all too sad because that is not true. It is unfair that people are treated unfairly because of the way they look or how they act or the color of their skin. Race, gender and inequality are major issues in our society. They determine how people are looked at, treated and or discriminated against. In my case, my XXXX  ( due to injuries incurred on XXXX ) was the joke of several agents at the OCA. I lost a XXXX upon my return to the US because of my creditability was severely diminished to the inaccuracies reporting on my credit file from Equifax. I was a XXXX ( XXXX ) and now Im a XXXX XXXX  amasses to a $ XXXX pay cut and 12  years of service washed down the drain. My commanding officers gave me a generous 6 weeks to adhere and clean up my credit files after I explained to them it was a computer glitch. That was XX/XX/2019, its now XX/XX/2019. For the most part, most of the accounts that have been fraudulently placed on my account has been removed, however, there are a couple that continue to linger. I was promised by OCA agents that within 24-48 hours the accounts on my file frequently, would be removed if a valid FTC report, police report, and/or any other supporting documents were made available. So then, I provided my FTC report, police reports and a copy of military ordersshowing that I was out of the country during the time of these discrepancies. Mostly, all the accounts have been removed as promised within 24-48 hours. However, these 2 accounts I was promised it would be removed in the same time frame, yet now Im being told I need to wait another 30 calendar days. Ms. XXXX/OCA,  I have been waiting to get this issue resolve entirely since XX/XX/2019. Hours turned into days, days into weeks, weeks into months, and we are almost at half a year. Further complicating, I have requested to speak to the supervising body of the OCA since XX/XX/2019. I called every day and have witnesses to vouch my credence. Each time, I have been told She will respond within 10 business days. Well its 12 weeks later and no call, no email, no mail from the this estranged Ms. XXXX. 


One thing that is learned fairly quickly during the span of one 's life is that life is often unfair. Unfairness takes shape in many forms and in every corner of the world. Life seems unfair when I turn on the news and see that innocent people are XXXX  every day, often just for the simple reason of being in the wrong place at the wrong time. Life seems unfair when it seems that some people are just born into wealth and will never have to work a day in their lives, when it feels like I have had to work my whole life. This may be an unpleasant lesson to learn, but nonetheless, extremely important as it is integral to our emotional development and pursuit of happiness. Equifax and the OCA has made me, a XXXX  veteran, feel like the choice I made to join the US XXXX, the choice to defend freedom on every corner of Earth, the choice to choose a career to protect the innocent while providing a living for my wife and childrenone that a question each and every day. In the OCA members, XXXX, Ms. XXXX, and XXXX maybe on to something, that had I not risked my life for the country I so dearly love, none of this would have happened. We all chose paths, some narrow and some straight. I chose my destiny, my path and am beginning to regret each day with sombersome. I was hoping for a heros welcome home, instead I have been receiving nothing but admonishment and punishment for a computer glitch on Equifaxs behalf and serving to protect the venerable. 

Sincerely, XXXX XXXX XXXX