Consumer complaint received 2024-03-15
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. (NC)

I filed an extended claim for financial damages from the Equifax breach and I spent a lot of time finding and sending in my document proof. Yesterday I received a letter from Equifax telling me I had one month to address issues they are raising from the settlement XXXX as follows : Your Claim Number : XXXX Dear XXXX XXXX : You filed a claim for money spent in connection with the Equifax XXXX XXXX Settlement. 

Your claim is incomplete because documentation you provided in support of your claim does not allow the Settlement  XXXX to confirm that what you claimed was fairly traceable to the Equifax XXXX XXXX and/or does not support the dates you claimed money spent or amount of money claimed in whole or in part for the following reasons : Money Spent The documentation does not support all of the dates claimed. 
The documentation supports something not covered under the Settlement and/or show another family member or someone else incurred the cost. 
The documentation provided does not add up to the total amount of the claimed money spent. 
The documentation provided is handwritten and/or missing pages. 
The documentation does not contain the claimants full name. 
The documentation does not contain enough information to confirm the source of the information ( e.g., bank name, company name ). 

You must submit additional documentation to complete your claim by XX/XX/XXXX. 

If you do not provide additional documentation as requested above, your claim for money spent will be denied in whole or in part without further communication from the XXXX XXXX. 

The documentation you submit must show your name, the date, where the documentation is from, what happened and how much you lost or spent. 

Written statements by you describing the money you lost or spent are not enough to support your claim except to explain other documents you submit. 

Please add your Claim Number ( provided above ) to all additional documents you submit. Please only send copies of documents. 

To submit additional documentation for your claim, click here. 

You can also submit this documentation by mail postmarked by XX/XX/XXXX. Please make sure to include your full name, mailing address, and Claim Number and mail it to : Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX For more information about the Settlement, including more information about the types of costs and losses that can be paid back to you, what documents you need to attach, and how the Settlement  XXXX decides whether to approve your payment, please visit the Settlement Website XXXX 

This notice is from the XXXX Settlement XXXX ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact JND by email at XXXX, by phone toll-free at XXXX, or by mail at Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX 

Now... They don't tell me specifics about what was missing from my extensive documentation that I submitted. Here is a copy of my submission : XX/XX/XXXX, XXXX AM Submit a Claim EQUIFAX XXXX  XXXX  SETTLEMENT Your Claim Summary Your Information Initial Claims Period Claim Number ( XXXX ) First Name Last Name Middle Initial Alternative Name Mailing Address XXXX XXXX City Country State Zip Code Phone Number Email Address Year of Birth XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX United States of America North Carolina XXXX ( XXXX ) XXXX XXXX XXXX Cash Payment : Time Spent Explanation of Time Spent Due to identity theft and someone being able to access my information, I had fraud that occured Approx Month XXXX Approx Year XXXX Hours and Minutes XXXX hours XXXX minutes https : XXXX XXXX Privacy - Terms XX/XX/XXXX, XXXX XXXX  from my First Bank bank account and I spent more than XXXX hrs getting it resolved. 
Explanation of Time Spent I spent time trying to recover from a fraudulent charge made in XX/XX/XXXX as well when someone used my information to charge {$200.00}. Please see attached documentation Explanation of Time Spent I submitted disputes to XXXX as well due to fraudulent activity.I have attached documentation but this is not inclusive of all of the disputes I spent time fileing and attending to these matters Submit a Claim Cash Payment : Money You Lost or Spent Loss Type Costs, expenses, and losses due to identity theft, fraud, or misuse of your personal information incurred between XX/XX/XXXX and XX/XX/XXXX. 
Amount and Date {$5000.00} XXXX Description of Loss or Money Spent and Supporting Documents Because of fraud, my bank account was overdrawn and I incurred overdraft fees not only from the bank but from payees I had paid bills to and they bounced. Additionally, I incurred late charges and and damage to my credit showing lateness on bills. I suspended payments to my creditors for a period of time as I knew if I tried to pay them, the payments would bounce and this also negatively affected me. I spent many hours attending to these matters. An Additional document is uploaded here as well as in the previous section Supporting Documents XXXX Complaint Referral Form XXXX submissionA.pdf fraud.jpeg XXXXXXXX XXXX XXXX XXXX XXXX Approx Month XXXX Approx Month XXXX Approx Year XXXX Approx Year XXXX Hours and Minutes XXXX hours XXXX minutes Hours and Minutes XXXX hours XXXX minutes XX/XX/XXXX, XXXX XXXX  Submit a Claim XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX How Would You Like to Receive Your Cash Payment Check Your Signature Your claim will not be received by the Settlement XXXX until you click the " submit '' button after your electronic signature. For security reasons, once you hit submit, you will not be able to make any changes to your claim form through this portal. However, you will still be able to go into the portal to upload supporting documentation if you havent done so. If you later decide you need to change any of the information on your claim form, you will need to reach out to the XXXX XXXX directly. 
I affirm under the laws of the United States that the information I have supplied in this claim form and any copies of documents that I am sending to support my claim are true and correct to the best of my knowledge and that I have not already received reimbursement for the claimed loss through other means. 
I understand that I may be asked to provide more information by the XXXX XXXX before my claim is complete. 
Date : XX/XX/XXXX XXXX XXXX SUCCESS Your claim form has been submitted successfully Your claim number is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX