Consumer complaint received 2015-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

I have not been able to get a corrected copy of my credit report from Equifax in well over a year. The last copy of one I got ( dated XXXX XXXX, XXXX, Confirmation # XXXX ) contained false information that I have written to Equifax many times to challenge. Yet Equifax refuses to investigate the false information still in my file, to reveal the source of it to me, or to put a security freeze on my file which I requested several times, including in a letter dated XXXX XXXX XXXX, and sent to it by certified, return receipt mail. A copy of this letter is attached to this complaint ; please see the last paragraph on the second page that clearly requests the security freeze. 

Although the last report I received from Equifax is dated XXXX XXXX, XXXX, I did not receive it until XXXX XXXX, XXXX. Mail from XXXX usually takes 3 days, occasionally, 2 days. So it appears that, among many other unfair, deceptive and/or abusive practices, Equifax post dates its reports from the date it mails them in order to appear to be responding faster than it does. While doing this, no post mark date ever appears on any envelopes from Equifax. 

As it has for well over a year, during which it refused to place a security freeze on my file after I requested XXXX, Equifax still contains a false birthdate in my file. It has refused to investigate it for a long time, continues to spread it to unauthorized third parties, and refuses to reveal the source of it to me. It has willfully continued its injurious actions against me despite the fact that I have repeatedly challenged the false birthdate it inserted into my file without accountability for its action. Equifax has willfully and in bad faith falsified my identity. The aforementioned XXXX XXXX letter to Equifax from me also indicated that Equifax inserted false addresses and provided an unauthorized copy of my credit report to XXXX XXXX XXXX California, despite the fact that I had already asked Equifax to place a security freeze on my report. I 've read that the CFPB recently forced XXXX XXXX to return {>= $1,000,000} to consumers it injured, as well as levied other penalties against it for multiple illegalities ; yet XXXX is only XXXX of many unauthorized parties Equifax gave my credit report to in its ongoing, illegal trafficking in my private, personal information. 

Equifax engages in unfair, deceptive and/or abusive practices. It has done so for decades without cessation or accountability. Why is it allowed to continue operating without being shut down in an era of increasing cyber and data crime? Why are its corporate officers not prosecuted for its habitual, willful violation of the law? It has injured me and unreasonably burdened me perpetually by causing me to be denied credit ; by causing credit to cost me more if I get it ; by violating my privacy and releasing unauthorized copies of my falsified reports to several third parties without my permission and despite my repeated protests, and it has done so for the sole purpose of making money off of me. 

Across a long time, Equifax falsified information about me, including my birthdate, my name, and my address. It protected and colluded with anonymous " data sources '' that dump false information into my report like sewage into the open sea without consequence, prohibition or deterrence. It has maintained a secretive, injurious relation with these closely guarded data sources without revealing their identity to me in order to reap illicit profits with them at my expense.