Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am submitting a complaint against Equifax concerning my credit report, I have sent several letters and submitted several disputes concerning my credit report and outside of a few changes everything remains the same. 

The fact that everything remains the same is an issue but it's not the biggest issue. I have taken time to contact every person listed on my credit report and was advised that there have been no actual investigations done, after getting notification of this I asked Equifax to provide me with the means in which they have verified this information and it was never provided just a simple note stating " verified-remains ''. I have worked with XXXX XXXX, XXXX and various other reporting services and none of the information on those reports even match what Equifax is reporting. I am an identical twin and her file is mixed with mine I have also reported this, I have also asked for freezes to be in place and even with freezes inquiries are being placed on my report that I did not authorize. This is a violation of their duty as a credit reporting agency to ensure that they are following the correct protocols and reporting correct info but they are also not following E-Oscar or Metro 2 protocols. Here are the accounts that I have disputed on several occasions and they are not actually investigating because if they were they would have the same information the actual company is showing Accounts XXXX XXXX XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also several XXXX XXXX and XXXX accounts from XXXX still reporting on my report that of course fall outside of the 7 year mark and should not be reported. 

Revolving Accounts- These are not my accounts and the companies have verified my name and social do not come back with an active or inactive account, it does come back with my sisters info though. If they have verified with these creditors I need to know who verified them. 

XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX  | XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Collections- These are not mhy medical accounts I have spoken to the actual medical providers and the account that I do have with our local hospital I make payments on and the account was never referred to collections, the collection agency was unable to pull me up by name but had the last four of my social, the patients name does not match mine. Again if this was verified who verified it and when and provide a reference number from the verification. 
XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries- I have not authorized these and I have asked for freezes to be placed on my report where creditors have to contact me in order to extend credit to verify its me. I removed this freeze today because it was redundant to have if its not going to be adhered to. 
XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  | Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX