Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

XXXX FROM : XXXX XXXX TO : EQUIFAX THIS IS A COMPLAINT AND A REQUEST. 
DID YOU EVER WONDER WHY YOUR NAME OR ADDRESS IS WRONG AT EQUIFAX BUT CORRECT AT XXXX AND XXXX? I COMPLAIN THAT EQUIFAX INFORMATION SERVICES DEVIOUSLY AND SYSTEMATICALLY VIOLATES NEW YORK STATE LAW WHICH REQUIRES EQUIFAX TO SET UP FREE NEW YORK STATE SECURITY FREEZES FOR ANY NEW YORK STATE RESIDENT WHO ASKS FOR A NEW YORK STATE SECURITY FREEZE. 
BACKGROUND THE ONLY WAY AND THE BEST WAY TO PREVENT IDENTITY THEFT IS TO SET UP A SECURITY FREEZE. 
NEW YORK STATE LAW MANDATES EQUIFAX SET UP A SECURITY FREEZE WHEN A NEW YORK STATE RESIDENT ASKS EQUIFAX TO SET UP A NEW YORK STATE SECURITY FREEZE. 
I. BUT FIRST EQUIFAX LOSES MONEY ADMINISTERING NYS SECURITY FREEZE.

II. AND SECOND EQUIFAX WANTS TO BLACKMAIL THE CONSUMER INTOO BUYING EQUIFAX CREDIT MONITORING BY USING CONSUMERS ANXIETY ABOUT RAMPANT IDENTITY THEFT. 
SO EQUIFAX HIRED A XXXX LAWYER TO COME UP WITH A DEVIOUS WAY OF AVOIDING COMPLYING WITH THIS NEW YORK STATE LAW. 
PART I HOW DOES EQUIFAX SOLVE I? 
THE MEANS OF AVOIDING COMPLIANCE IS DEVIOUSLY SIMPLE. ALL EQUIFAX HAS TO DO IS MESS UP THE NAME OR ADDRESS OF THE CONSUMER WHO HAS A NEW YORK STATE SECURITY FREEZE. BECAUSE ONCE THE NAME OR ADDRESS IS WRONG, THERE IS NO SECURITY FREEZE FOR EQUIFAX TO ADMINISTER. EQUIFAX FOUND A LEGAL WAY TO AVOID HAVING TO ADMINISTER SECURITY FREEZES WHICH COSTS SO MUCH FOR EQUIFAX TO ADMINISTER. 
NOW THAT EQUIFAX FOUND A WAY TO AVOID THE EXPENSIVE AND TIME CONSUMING TASK OF COMPLYING WITH NEW YORK STATE LAW, HOW DOES EQUIFAX ACHIEVE II? 
NOW PART II. 
IN ORDER TO MAKE MONEY, EQUIFAX DELIBERATELY LEAKED CONSUMER DATA IN ORDER TO BLACKMAIL CONSUMERS INTO BUYING EQUIFAX CREDIT MONITORING WHICH IS WORTHLESS AND EXPENSIVE. BY LEAKING CONSUMERS CREDIT DATA EQUIFAX LOSES NOTHING. EQUIFAX DOES NOT HAVE TO PAY A PENNY UNLESS THE CONSUMER HAD PAID FOR CREDIT MONITORING WHICH IS WORTHLESS. DATA LEAKING BENEFITS EQUIFAX ENORMOUSLY. 
I COMPLAIN AND I OBSERVE ON BETTER BUSINESS BUREAU THOUSANDS OF COMPLAINTS THAT EQUIFAX ALONE-NOT TU AND NOT EXPERIAN-HABITUALLY AND SYSTEMATICALLY CHANGES THE NAME OR ADDRESS OF NYS CONSUMERS WHO ASK FOR OR GET NYS SECURITY FREEZESAND NEVER EVER CORRECTS THE PROBLEM. YOU SEE WHY EQUIFAX DOES THIS NOW. 
I COMPLAIN THAT EQUIFAX BREAKS THIS NYS LAW. I REQUEST EQUIFAX PERMANENTLY AND IMMEDIATELY CORRECT MY NAME AND ADDRESS WITHIN 2 WEEKS. IF EQUIFAX FAILS TO CORRECT MY NAME AND ADDRESS THEN I WILL ASK A NYS SUPREME COURT JUDGE TO ORDER EQUIFAX TO DO THIS. 
OUR NYS ATTORNIES GENERAL ARE NOT UP TO THIS TASK. THEY ARE OVERWHELMED AND UNDERFUNDED. PERHAPS THEY ARE TOO STUPID OR TOO INCOMPETENT OR CROOKED. ALL IT TAKES IS ONE PSYCHOPATHIC HARVARD LAWYER TO ACCOMPLISH SO MUCH. 
PROOF XXXX AND XXXX HAVE THE RIGHT ADDRESS-SO WHY DOESNT EQUIFAX? BECAUSE EQUIFAX DELIBERATELY BREAKS THE LAW. EQUIFAX CAN ALWAYS BLAME IMMIGRANTS IN OTHER COUNTRIES AS PATSIES WHO OPERATE EQUIFAX CUSTOMER SERVICE. JUST LIKE A CEO CAN COMMIT RAMPANT FINANCIAL FRAUD AND BLAME EVERYTHING ON THE RETARDS IN THE MAIL ROOM. 
ANOTHER PROOF IS THAT IT IS IMPOSSIBLE TO COMMUNICATE WITH EQUIFAX. FOR EXAMPLE IF A CONSUMER DOES NOT HAVE A CELL, THEN THE CONSUMER CAN NOT CALL EQUIFAX ON A WIRED PHONE TO COMPLAIN. IF A CONSUMER DOES NOT HAVE A CELL THEN IT IS IMPOSSIBLE TO COMMUNICATE WITH EQUIFAX ON THE INTERNET. 
CONCLUSION : UNLESS THE CONSUMER PAYS EQUIFAX FOR CREDIT MONITORING THE CONSUMERS NAME AND/OR ADDRESS WILL BE WRONGLY RECORDED BY EQUIFAX ALONE. AND IF THE NAME AND ADDRESS ARE RIGHT TODAY, EQUIFAX WILL MESS UP THE NAME AND ADDRESS TOMORROW. 
EQUIFAX IS DEDICATED TO MAKING SURE THE CONSUMERS NAME AND ADDRESS ARE WRONG UNLESS THE CONSUMER PAYS EQUIFAX. EQUIFAX BLACKMAILS THE NEW YORK STATE CONSUMERAND OUR NYS ATTORNEY GENERAL IS ASLEEP AT THE SWITCH. 
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