Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

First-I am requesting that this complaint be sent to Equifax 's Executive Offices and NOT the Consumer Affairs Department. I think it 's important to mention, that my file was placed with the consumer affairs department in XXXX and they are the problem. I am consitently denied the assistance that I need because they simply do not like me. No consumer should have to deal with such unprofessional and hateful behavior. These individuals ( XXXX, XXXX, and XXXX ) consistently refuse to comply with the FCRA. My disputes are processed for Ownership ONLY although that is not what I disputed. No matter what documentation I send in to prove the creditor wrong, they ALWAYS side with the creditor. They 've allowed fictitious addresses to be placed on my file, creditors to violate the FCRA and strip me of my consumer rights at every turn. Most recently, I was advised by XXXX that since my file is in their department indefinitely, I will never have access to my credit report online As mentioned in previous complaints against Equifax , since XXXX, I 've had the same file issues. When my file becomes too large, it becomes inaccessible to myself and my creditors. I have to write in requesting them to condense the file and in so doing, each time, items that were previously disputed and deleted as a result of that dispute, are illegally re-inserted to my credit file. Once an account has been deleted, it is to be blocked to prevent this from happening ; however, Equifax fails to do so. Today, I noticed that there were XXXX old accounts that were disputed back in XXXX and deleted from my file were re-inserted without my knowledge. As I usually did and did so as recently as XXXX XXXX, I called in to report the re-insertions and request their immediate removal. XXXX told me that since the creditor re-reported them that my only option was to dispute them again. This information is inaccurate and against the law. In XXXX, these same accounts were re-inserted to my credit file and I simply faxed in the proof of the dispute results and they were removed immediately. In XXXX XXXX, I called in because a creditor re-inserted a late payment that they previously removed and XXXX was able to delete that late payment and block them from any further reporting. But today, the rules have changed. XXXX refused to address any of my other issues to include, creditors not being able to update my accounts, my score not moving after items fall off or get removed, me not being able to access my file through their products or any other third -party credit monitoring products that I pay for, or duplicate accounts reporting to my credit file. Instead, she released the call because I continued to have to ask her to do her job. I called back and spoke to XXXX and of course you could tell XXXX had already talked about me to him because his attitude towards me was the same as hers. Even though I told XXXX NOT to place ANY of the accounts in dispute, she did so anyway. I requested his assistance with the same issues and he was happy to relay the same non-answers. I requested a report of their investigation as is my right to do, and he told me I would have to contact the creditor for that. By law, they are to provide me with their investigative report upon my request. He refused and would only send me the generic version of how they complete investigations-not anything concerning the specific account that I requested to be investigated. Like XXXX, XXXX claimed that the re-inserted accounts were done so by the creditor on XXXX XXXX, XXXX. The report I was reading from and where the accounts were listed was from XXXX XXXX, XXXX. So that was a lie which they often do when I call in for help. I am being blackballed by this department and me and my credit are suffering from their illegal behavior and their hate towards me. No consumer should have to endure such treatment.