Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

When calling Equifax today regarding a different matter and to routinely check on my credit report, the rep responded to my line of questions with : " You have a fraud alert on your credit report, '' amongst other things that I had n't actually asked her. I immediately demanded to speak with a supervisor, mainly because I know for a fact that I did NOT request placement of a fraud alert. In fact, I 've had to repeatedly request the removal of the extended fraud alert that Equifax keeps REINSERTING on my credit report. I 've even filed a complaint via CFPB to seek intercession for the immediate and permanent removal of such fraud alert. I was transferred to said XXXX, Supervisor in the Disputes Dept, who " talked at '' me asserting that Equifax had received A LETTER DATED XXXX XXXX, 2015 FROM ME REQUESTING TO ADD THE FRAUD ALERT. When I questioned the validity of said letter, she was very condescending and stated that she could put me on hold and access/view the letter. Knowing full well that I HAD N'T written or otherwise prepared or given authorization to a legal representative to prepare and submit such a letter on my behalf, I gave her the " go-ahead '' to access/view said letter. She even stated that a letter confirming the addition of the fraud alert IN RESPONSE TO MY LETTER REQUESTING THE SAME had been mailed out to me on XXXX XXXX, 2015. After approximately and markedly XXXX separate XXXX minute " holds '' she advised me that SHE COULD NOT FIND ANY LETTER THAT I HAD SUBMITTED ON EITHER DATE, only the letter from Equifax sent to me confirming the addition of the fraud alert, dated XXXX XXXX, 2015. WOW! I 've asserted now for well over a year that the credit reporting agencies had legally filthy hands. I 've asserted that they fraudulently misuse and misreport entailments and records on consumer accounts for financial and other gains. I 've asserted that they also really XXXX around with the reports of those who exercise their rights to dispute inaccuracies on their accounts. Equifax has repeatedly retaliated against me for exercising my rights under the FCRA, XXXX and all other applicable law, and for notably filing complaints to seek remedy via CFPB. When is something actually going to be done to prevent and STOP their corruption. I 'm submitting this to the FTC as well. I 've also asserted that Equifax has NOT properly updated my credit score for two years now. Inaccuracies have finally been removed BUT Equifax still reports my credit score as XXXX. I have XXXX accounts - all in GOOD STANDING, both current and open, including revolving credit accounts and installment accounts, and XXXX accounts ( XXXX and XXXX ) under administrative dispute and legal investigation by my lawyer. I do n't believe XXXX is an accurate picture of my credit worthiness. Again, however, the primary reason for this complaint is to report fraud on the part of Equifax. I assert via evidence gleaned from this phone call that Equifax has attempted to fabricate a record that suggests I requested the addition of the fraud alert, even complete with a letter in response confirming that they indeed added the fraud alert. XXXX problem with that - I DID N'T WRITE ANY SUCH LETTER, and such is IMPLAUSIBLE considering the express facts that I have repeatedly ( on record now at least 5 times ) demanded the REMOVAL/DELETION of any fraud alert ( extended or temporary ), and permanently so. Said XXXX claimed that she processed the request for deletion of the fraud alert and advised that it would be deleted within XXXX hours. That wo n't mean a hill of beans if they take fraudulent convenience/conveyance to put it back after they think the dust has settled and no one is watching. If the FTC or the CFPB are NOT watching out for us consumers, Equifax need know I AM. I am adding this to my legal record and when it is time ( legally, it 's already RIPE ) I will proceed to the FULLEST EXTENT OF LAW