Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AK)

I am a XXXX XXXX and believe that I am a victim of the XXXX data breach and some, if not all of my personal information may have been exposed. When the incident happened with XXXX, I did receive notification the data compromised may have included my personal information, such as name, Social Security number, date and place of birth, and current or former address but I did n't take think it truly affected me. In XXXX, I decided to view my credit report and discovered that there was a great deal of incorrect information showing. Because of this, I immediately placed a fraud alert on my account, XX/XX/XXXX, and started to take action with disputes. Not only did I dispute but I also purchased several credit monitoring services so that I could place a lock on my credit reports. I disputed online, via the phone and via the mail. The reason for this complaint is that I have filed multiple disputes with Equifax regarding unauthorized fraudulent credit inquiries that are appearing on my credit report and to this day there has been no action taken on my credit report with Equifax. I opened up web disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX, via the phone ) regarding unauthorized fraudulent and duplicate inquiries. On XX/XX/XXXX I also mailed a certified 609 validation letter explaining my consumer rights under FCRA and asking for the inquiries to be validated, updated, to provide me with proof or to remove. Unfortunately, neither of my online disputes, nor my phone calls, nor my certified validation letter have yielded any results. I havent even received anything in the mail stating that the investigation is ongoing or complete and when trying to check a status online the Equifax dispute system has been down for what seems like a month. Even further, Equifax has yet to mail me a hard copy of my credit report that I have asked for on multiple occasions. Lastly, as mentioned above, I purchased a credit monitoring service with Equifax to monitor my credit. This product allowed me to place a lock on my credit report for extra protection. The paid monitoring service with Equifax ended in XX/XX/XXXX but Equifax still has a lock on my credit report. I have called Equifax at least five times in the last few weeks with regard to removing the lock from my credit report. Equifax has yet to remove the lock and I no longer have a product with them. Each time I call regarding the removal of the lock, Equifax alleges that they have opened several cases to try and resolve this issue ; however, the issue is still not resolved. I recently tried to subscribe to a new credit monitoring service that monitors all three bureaus ; however, due to the lock on my Equifax credit report I am unable to view or subscribe to these services which further prevents me from being able to view any changes, updates or if any additional fraud is taking place on my account. I am seeking the help of the Consumer Finance Protection Bureau with regard to Equifax and my credit concerns with them. Kindly, thanks for your assistance.