Consumer complaint received 2024-05-07
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. (MD)

I recently filed complaint against Equifax for their failure, after 4-months, to correct their own internal computer glitch causing an an " error code XXXX '' which prevents me from being able to utilize my XXXX XXXX XXXXt account in order to be open to keep my Equifax credit report locked and unlock only when I am applying for any type of credit. 

Equifax provided false response to my CFPB complaint and their response calls into question whether Equifax has a breach I am/consumers are unaware exists. Specifically, Equifax stated in its response, " We have received your complaint and apologize for any inconvenience you may have experienced when attempting to access your XXXX XXXX XXXXXXXX account. Our investigation revealed that you successfully logged in via your XXXXXXXX XXXX XXXXXXXX app on XX/XX/2024 and XX/XX/2024. You successfully unlocked and locked your credit file via the app on XX/XX/2024. Should you need additional assistance, please contact the customer care team at XXXX between XXXX XXXX XXXX, Monday - Friday. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team ''. First, at no time have I ever utilized an App to access my XXXXXXXX XXXX XXXXXXXX Account. Thus, Equifax 's assertion that I used an app to access my XXXXXXXX XXXX XXXXXXXX account on XX/XX/2024 and XX/XX/2024 calls into question who exactly has access to my XXXX XXXX XXXX Account. Second, in its response, Equifax asserts that " [ I ] successfully unlocked and locked [ my ] credit file via the app on XX/XX/2024 and XX/XX/2024 ''. I did not successfully open my XXXXXXXX XXXX XXXXXXXX account via any app on XX/XX/2024 and it was a direct result of receiving 'error code XXXX ' that on XX/XX/2024 that I filed initial complaint with the CFPB against Equifax that they hadn't resolved their own internal 'error code XXXX ' computer glitch after 4-months. And I did not successfully unlock and lock my credit via via any app on XX/XX/2024. In fact, I spent XXXX on the PHONE WITH EQUIFAX 'S INFURIATING CS RESULTING IN MY REQUESTING TO SPEAK TO A MANAGER, XXXX, AND as a result of my conversation with XXXX, I filed a separate complaint against Equifax with the CFPB based on assertions XXXX made ( on a recorded call ) with me. Equifax 's response to my complaint with the CFPB is nothing more than a punt to avoid their acknowledging that they have existing internal computer glitches in their own operating system which is preventing consumers from utilizing their XXXX XXXX XXXX accounts WHICH EXISTS BECAUSE OF EQUIFAX 'S OWN BREACH. Equifax 's response does not address or resolve the issue and the CFPB should make note of the fact that Equifax made false statements in its response. Furthermore, Equifax 's response, calls into question as to whether Equifax has another current unknown breach to assert that I successfully accessed my XXXXXXXX XXXX XXXXXXXX account from an App! when I have never utilized any app to access any of my credit reports at any time, ever.