Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing regarding the extremely poor customer service I received during my telephone call with Equifax. I am filing the same complaint in less than a week through the CFPB. I was spoken to as very disruptive, impolite, disrespectful, and rude by a supervisor ( XXXX ). He would not let me finish the conversation and kept cutting me off. I politely asked him about removing the identity theft off my credit according to FCRA 605B. He lied and said I did not have the identity theft charge on the F.T.C. complaint. It is a holistic lie. I am attaching the exact complaint they have with this letter and a copy of the FCRA 605B document. I then asked him several more times to please remove the fraud after I was informed about his egregious oversight. I deemed this to be a reasonable request. 
I am not filing this complaint haphazardly, rather I am complaining about the disrespect I received from a person in a managerial position. I am appalled at this behavior from a manager, and Equifax, and I am disappointed that I was lied to and disrespected. I request that you take disciplinary action against Equifax to correct the unjust and bold behavior pattern. Having consistently complained about this identity theft for nearly one year now, I regret to point out that Equifax has let me down again. Supervisor XXXX should be terminated. However, they will not terminate because they condoned this type of disrespectful conduct, and it is a trait of Equifax. 
In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. Equifax created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. I wrote Equifax about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force Equifax to do the right thing. I look forward to an uneventful resolution of this matter.