Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

For an extraordinarily long time I have been waiting for Equifax to process my XXXX XXXX dispute, which was submitted online on various days. Here is the information and outcomes on the disputes in question. 

1. Case # XXXX : XXXX XXXX  Case # XXXX. 

DENIED IN ERROR : Stated reason for the denial due to not having victim determination documentation. This information was included in this and all previous disputes. Please refer to the attached document that was included with my dispute XXXX Final_Combined_Equifax_XXXXXXXX XXXX XXXX. Please look closely at pages 8-12 as this includes XXXX victim determination documents from XXXX different authorized Non-Governmental Organizations. One is from the XXXX XXXX XXXX also known as XXXX AND the other is from XXXX XXXX XXXX XXXXP. There is also a Completed XXXX form. Again, this can be found in Pages 8 12 of the Final_Combined_Equifax_XXXX XXXXXXXX Pages_2__Part1 document that was attached to my Case # XXXX : XXXX XXXX XXXX # XXXX trafficking dispute. 

2. Case # XXXX : XXXX XXXX XXXX  # XXXX. 

DENIED IN ERROR : Stated reason for the denial due to not having victim determination documentation. This information was included in this and all previous disputes. Please refer to the attached document that was included with my dispute : Final_Combined_Equifax_Trafficking XXXX XXXX. Please look closely at pages 8-12 as this includes XXXX victim determination documents from 2 different authorized Non-Governmental Organizations. One is from the XXXX XXXX XXXX also known as XXXX  AND the other is from Family Partnerships PRIDE GROUP. There is also a Completed XXXX form. Again, this can be found on Pages 8 12 of the Final_Combined_Equifax_Trafficking XXXX Pages_2__Part1 document that was attached to my Case # XXXX : XXXX XXXX XXXX # XXXX trafficking dispute. 

XXXX. Case # XXXX : XXXX XXXX XXXXe # XXXX TRAFFICKING DOCUMENTATION ACCEPTED AND APPROVED trafficking related information removed using the same information and documentation given on all subsequent requests such as : # XXXX : XXXX XXXX XXXX  # XXXX and Case # XXXX : XXXX XXXX XXXX # XXXX which were unjustly denied. 

XXXX. Case # XXXX XXXX XXXX XXXX XXXX # XXXX TRAFFICKING DOCUMENTATION ACCEPTED AND APPROVED trafficking related information removed using the same information and documentation given on all subsequent requests such as : # XXXX : XXXX XXXX XXXX  # XXXX and Case # XXXX : XXXX XXXX XXXX # XXXX which were unjustly denied. 

XXXX. Case # XXXX : XXXX XXXX XXXX # XXXX TRAFFICKING DOCUMENTATION ACCEPTED AND APPROVED trafficking related information removed using the same information and documentation given on all subsequent requests such as : # XXXX : XXXX XXXX XXXX  # XXXX and Case # XXXX : XXXX XXXX XXXX # XXXX which were unjustly denied. 

On XX/XX/2024 I Read The Notification That CFPB Finds Violations Of Credit Report XXXX XXXX, Including For Survivors Of XXXX XXXX And That Consumer Reporting Companies And Furnishers Do Not Follow Their Dispute Resolution Obligations Relating To XXXX XXXX, And Consumer Reporting Companies Failed To Block Or Remove Information Relating To XXXX XXXX And CFPB Examiners Directed Consumer Reporting Companies To Revise Their Compliance Processes To Ensure That They Process All XXXX XXXX  Block Requests Per The Law. 

I was OVERJOYED SAYING FINALLY SOME COMPLIANCE, ENFORCEMENT, AND RELIEF FOR SURVIVORS! I then had faith that things would change and because of this Equifax would immediately resolve the errors. So, this is what encouraged me to remail my previous disputes and previous documentation. Sadly, Devastatingly, I was wrong, and not a little wrong, very wrong, because as I said before they carelessly, inaccurately, and maliciously denied multiple trafficking disputes! Equifaxs XXXX practices are DISCRIMINATORY, PREJUDICIAL, PREDATORY, MALICIOUS, INTENTIONAL AND MOST IMPORTANTLY ILLEGAL! I view their consistent and continual denials of my trafficking related disputes and the results of them doing so as a XXXX XXXX XXXX XXXX XXXX XXXX. 

After my trafficking documentation was approved in the past. There should have been an indicator to ALL FUTURE EQUIFAX ANALYSTS that review my FUTURE XXXX XXXX disputes that alerted them that my trafficking related documents HAVE BEEN APPROVED. In fact, my victim advocate at The Family Partnerships PRIDE group said that she has personally spoken to numerous representatives at Equifax on numerous dates. Equifax apparently has contacted my advocate numerous times to verify my trafficking documentations legitimacy and after doing so with multiple representatives at Equifax. They all told my advocate that I would not have this issue moving forward and that all disputes would be processed as trafficking related without error or delay. This was unfortunately habitual lies. This is something that should have been indicated or flagged, so that future analysts know that The XXXX XXXX has already been contacted and verified my trafficking documentations legitimacy. 

Since the above improperly denied disputes are trafficking related disputes, by law, they only had 5 business days to block the trafficking related information on my credit file. Despite my efforts, and the submitting of 43 pages of information submitted with my above referenced disputes which included : I Am Enclosing : Proof Of Identity : I Am Enclosing A Copy Of My MN Drivers License. 

Trafficking Documentation : A Self-Attestation That You Are A Victim. 

XXXX ( XXXX ) XXXX TXXXX XXXX XXXX Letter From XXXX XXXX ( XXXX )/ XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Reasonable Accommodation Request The XXXX NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The XXXX Fast Facts : FCRA And XXXXegulation V XXXX XXXX  Rule.

Safe At Home Information. 

Please notice how I sent them XXXX NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA. Which informs them of my rights, their obligations, and potential penalties if they continue to unlawfully deny properly submitted, legally legitimate XXXX XXXX disputes. They dont care! 

Equifax continues to willfully, intentionally, fail to comply with the law as this has been a consistent, continual, systemic injustice that Equifax continues to not comply with the law in processing XXXX XXXX related disputes and continually, continuously, intentionally, and maliciously further victimize XXXX XXXX  victims such as myself. Equifax continues to deny trafficking related disputes often the same day as the disputes are submitted claiming they did not receive documents they did in fact receive. Or claiming the documents are insufficient. Which as discussed above is unlawful and inaccurate. I have resorted to screen recording the entire dispute process including the uploading of trafficking related documentation, in preparation for a civil court trial. Its a shame but this seems inevitable as I have tried multiple methods to get them to comply with the law and remove trafficking related information. There is no reason to believe that they will treat this dispute any differently than my other numerous attempts to get them to comply with the law. Equifax commits this form of XXXX, discrimination, and victimization time after time after time after time! As evidenced by my disputes, and I am sure they are subjecting other trafficking victims to this repeated XXXX as well. Equifax continues to commit this crime with impunity and no regard for compliance, their obligations, penalties, reasoning, legitimacy, accuracy, OR THE LAW! 

In my last Equifax complaint submitted through CFPB. Equifax replied to my dispute by saying :. Equifax Information Services LLC At Equifax we want to ensure that all of your concerns are addressed ; if you still have questions or require further assistance you XXXX call XXXX ( XXXX ) or send an email to XXXX. You may also visit www.myequifax.com. 

So, when the above disputes were inaccurately denied, I tried to email them at the email address given in the CFPB dispute and guess what the email address does not exist. No, Im serious! It doesnt exist! This is consistently a problem whenever you try to resolve anything with Equifax. They never ever want to resolve anything! It is simply a waste of time and effort. 

I have a XXXX that makes me unable to communicate verbally. So, I have to pay someone to call along with me and help me to communicate. We spent a lot of time calling Equifax on XX/XX/2024 and XX/XX/2024 because as a reasonable person I wanted to resolve this issue and have them correct their error without having to reach out to a third party. The representatives we spoke with ( XXXX : No Employee ID Given; and XXXX : EMPLOYEE ID NUMBER IS XXXX ) at XXXX XXXX XXXX Consumer Affairs told me that he COULD NOT REVIEW my current dispute, my previous disputes, or the attached documentation I submitted to those disputes. Instead, he made extraneous and erroneous requests to resend the information they already received via mail. Which, I again had to pay someone to do since because of my XXXX I am unable to mail documents via postal mail. Despite Equifax receiving this information in the online dispute itself and physically in the mail THEY CONTINUE TO MALICIOUSLY REPORT THE TRAFFICKING RELATED INFORMATION. 

I have submitted a reasonable accommodation regarding this to them COUNTLESS TIMES! EVERY SINGLE ONE WAS DISREGARDED! 

If he had of took the time to review the dispute, I could have pointed out to him the exact page number of the documents, so him and Equifax would have been able to clearly see that in error they overlooked my trafficking documentation, and this would have given them the opportunity to immediately correct the error and COMPLY WITH THE LAW. But this of course is not what Equifax wants to do, they dont want to fix errors, resolve concerns, or COMPLY WITH THE LAW. We requested that he do so multiple times and he refused. When we requested to speak to a manager or supervisor, he said that he is in Equifaxs Office of Consumer Affairs, therefore he was the HIGHEST LEVEL OF CONSUMER SUPPORT AVAILABLE and there is no one above him that communicates with consumers. 

When I requested to file a complaint against him, SPECIFICALLY he finally agreed to have a supervisor contact us back within 3 days. They never did. Even when we followed up on XX/XX/2024 the same representative promised that a supervisor would call us back that day by XXXX EST. Of course, this never happened as well. 

The above are just a few examples of XXXX inability to comply with the law or be accountable or resolve consumers complaints, concerns, and their own errors. In fact, they dont even want to know they have made an error, and they make it IMPOSSIBLE TO EVEN REPORT THEIR ERRORS. As evidenced above, never alone actually correct it. THEY STILL WONT block the information they are required to block by law! 

THEY SIMPLY DONT WANT TO DO IT AND ARE DOING EVERYTHING THEY CAN TO DELAY AND PREVENT FROM BLOCKING THE INACCURATE TRAFFICKING RELATED INFORMATION FROM MY CREDIT REPORT. 

The trafficking - related information remains on my Equifax credit file in violation of my rights and is causing me substantial harm. 

I Have Already Been Harmed Because : XXXX. I was unable to obtain an auto and personal loan due to this inaccurate and false credit reporting that Equifax continues to share. 

2. I have suffered from homelessness and can not secure stable housing because of this inaccurate and false information in my credit report and Equifaxs continuous delays and inability to consistently and accurately approve my trafficking related disputes. 

3. I was charged an inflated rate of interest for the credit I was able to obtain because of the inaccurate and false credit reporting that Equifax has and continues to share. 

4. I was unable to open new lines of credit as a result of inaccurate and false credit reporting that Equifax refuses to correct.

5. I was denied an apartment due to Equifaxs inaccurate and false credit reporting.

6. I was denied credit MULTIPLE TIMES due to Equifaxs inaccurate and false credit reporting. 

7. Due to my XXXX I had to pay someone to help me to call to resolve this matter since because of my XXXX I am unable to communicate with a representative of Equifax via phone. 

8. Due to my XXXX I also had to pay more for postage, and I also had to pay someone to remail the disputes I had already attached to my online Equifax disputes on three separate occasions, since because of my XXXX I am unable to mail the disputes. 

9. I had to take time off from work to find and coordinate to have someone do the above with Equifax, which has taken a lot of time and cost me a lot of money! 

They Have Also Ignored My Medically Necessary XXXX Reasonable Accommodation Requests Of : 1. Being able to exchange two-way communication with a representative of your office via email, preferably unsecured email, or an online messaging portal I can be given access to, so that I may communicate with a representative of your office effectively, receive notices from your office successfully, and submit disputes to your office. 

2. I am also requesting reasonable accommodation to have a dedicated employee from your office permanently available to me so that I can communicate with them directly via email preferably unsecured email and have my present and future concerns and requests reviewed. 

XXXX. To have a dedicated employee of your Equifax permanently available to me so that I can communicate with them directly via email and have my concerns and requests reviewed. 

4. For Equifax to stop requiring me to mail documents. Especially documents already submitted online, and to be able to submit documentation via email or online portal since because of my XXXX I am unable to submit documentation via postal mail. 

I can not continue to be discriminated against because of my XXXX which causes me to be prevented from being able to get the information needed to find and dispute effectively and in a timely matter the trafficking related information that is on my current credit report and unfortunately will continue to be an issue in all of my credit files. This is not just a past issue ; this is just not a present issue, the need to process XXXX XXXX disputes as I identify that trafficking related information is a continual need ( FUTURE NEED ) that I have because my trafficker has my information and has even shared it with others that will continue to use my information in the future. 

The Above Referenced Disputes and Requests Have Been Ignored, Disregarded, and Inaccurately Processed By Equifax For An Unreasonable and Unlawful Length Of Time! 

If I can not get my complaint and trafficking related disputes accurately and lawfully resolved and trafficking related information removed from my Equifax credit report IMMEDIATELY, I will file a discrimination complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will be consulting with a consumer rights attorney that specializes in Fair Credit Reporting Act ( FCRA ) and Debt Bondage Act litigation to sue Equifax. 


Respectfully, XXXX XXXX XXXX XXXX ( THIS IS MY SAFE AT HOME ADDRESS ) XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX EMAIL COMMUNICATION REQUIRED