Consumer complaint received 2024-05-06
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. (NJ)

On XX/XX/XXXX I, XXXX XXXX, submitted a CFPB complaint ( XXXX ) against Equifax due to inaccurate and incomplete reporting ( FRAUD ) of information furnished by XXXX XXXX  which violates the Fair Credit Reporting Act. 

On XX/XX/XXXX Equifax mailed me a notice claiming that they could not assist me because they could not find my credit file in their database and that they needed me to verify my identity by submitting proper proof of identification such as driver 's license, social security card, utility bill, etc. ( please see attached copy of driver 's license, social security card, and electric bill associated with XXXX XXXX home address ) Equifax claim to not be able to assist me is fraudulent and an absolute lie because as of XX/XX/XXXX XXXX Equifax removed a remark from my Equifax credit file, specifically the XXXX XXXX  account being reported stating : " Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were removed from this account : Consumer disputes-reinvestigation in progress. Fixed Rate. '' ( please see attached equifax statement on credit file ) Again on XX/XX/XXXX Equifax added a new remark code to XXXX XXXX account being reported on my Equifax credit file stating : " Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to this account : Consumer disputes after resolution. '' On XX/XX/XXXX Equifax also changed the XXXX XXXX payment history that they were reporting stating : " Your account payment history was updated. Here 's what changed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. '' ( please see attached Equifax statement on credit file ) Equifax claims they can not assist me with disputing XXXX XXXX account and payment history yet they made changes on my credit file without my consent. This action lacks permissible purpose and violates the fair credit reporting act. If equifax was not able to conduct an investigation without verifying my identity, then why did they make any changes or updates to my credit file. The changes also reflect that XXXX XXXX has been furnishing inaccurate, frivolous, and incomplete information to Equifax who has been sharing this inaccurate, frivolous, and incomplete information to my equifax credit report. THIS IS FRAUD! Equifax is blatantly ignoring my written request to remove the fraudulent XXXX XXXX account from my equifax credit file and instead choosing to continue to report inaccurate information being furnished by XXXX XXXX for their own financial gain. Account needs to be deleted immediately because its reporting is fraudulent and lacks permissible purpose!