Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Let me start off by saying this has been the most stressful, and hardest two years of my life trying to get my credit file corrected with Equifax. No only was I one of the persons whose data was breached in the Equifax data breach, but I am also a victim of identity theft. During this entire process of trying to recover from my personal information being breached, Equifax has compassionate or willing to assist me in making sure my credit file is correct. They have made my life XXXX, and they have treated me less than fair, and less than what I deserve given the fact that they are the cause of my personal information being breached and given the fact that I have had to deal with fighting to get my life back from this ordeal. Two years, I have been fighting with Equifax over my credit file, with multiple letters, multiple calls, multiple complaints, providing proof, police reports, etc and still no results. I sent a letter on XX/XX/XXXX regarding two accounts # XXXX and # XXXX requesting an investigation, and as of today XX/XX/XXXX I did not receive any communication or updates from Equifax. It has been more than 30 days, and I have not received any proof that Equifax validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that Equifax immediately delete this information from my credit reports. 

I pulled my consumer credit report from Equifaxs website on XX/XX/XXXX. Confirmation # XXXX. At that time my credit report showed Inquires in the Last 2 Years to be 1 ( XXXX XXXX on XX/XX/XXXX ) 3 negative accounts Dept of ED/XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX ( which I have disputed many times. ), and 1 Collection Account XXXX XXXX XXXX ( disputed account ). I repulled my credit report 6 days later on XX/XX/XXXX Confirmation # XXXX and was astonished to see that my credit report showed Inquires in the Last 2 Years 17 inquires all dated in year XX/XX/XXXX, 9 Negative accounts Dept of ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX XXXX. How can my credit file within a 6-day time period change so drastically? Some of the accounts that I had disputed in the past and was told by Equifax in their responses to CFPB that the accounts were not showing on my credit report. How is this possible? 

Delete all negative accounts and 17 inquires from my credit file within 15 days, and provide me an updated credit report with the deletions : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 17 inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : :XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX