Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

This is in response to Equifaxs letter dated XX/XX/XXXXand received XX/XX/XXXX. Your letter states, We have received your request concerning inaccurate information on your Equifax credit file. We were unable to locate a credit file in our database with the information you provided. ... We ask that you please send us a copy of two different items one from each of the two categories listed below.

I have sent two letters to Equifax. On XX/XX/XXXX I received letter from the Commonwealth of Kentucky ( KY ) stating I had applied for unemployment insurance with the state of KY under their Pandemic Unemployment Insurance Assistance. On XX/XX/XXXX, I filed a Identity Theft Report with the FTC and one-year fraud alert with Equifax, XXXX, and XXXX XXXX. On XX/XX/XXXX, I called Equifax and spoke with an agent and confirmed my credit freeze was still in effect. At that time I asked the agent about the PIN I had received when I froze my account in XX/XX/XXXX. She told me Equifax no longer used the PIN and I could lift my credit either by phone or at their website. On XX/XX/XXXX, I received a post card from Equifax confirming the one-year fraud alert. However, the post card was addressed to my previous address. Please note, I moved from my previous address in XX/XX/XXXX. So Equifax did not have my current address on file for six years. I sent my first letter to Equifax dated XX/XX/XXXX to correct my address along with a copy of my Social Security Card and a copy of my CA drivers license. XXXX XX/XX/XXXX letter is now requesting I resend a copy of my Social Security Card and CA drivers license that I sent to them on XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX saying I had applied for their credit card and in order to be approved I needed to contact Equifax to have my credit freeze lifted. I filed a second Identity Theft Report with the FTC and sent a certified letter to XXXX XXXX XXXX XXXX, a copy of the FTC report, and followed up with two phone calls telling them I am a victim of identity theft, I did not apply/authorize any credit card. I requested the account be closed immediately and I be absolved of any and all charges. 
In XXXX I received a letter from XXXX, dated XX/XX/XXXX, stating XXXX data had been breached, and we are writing to advise you of an incident ( Incident ) that may involve unauthorized access to some of your personal information. Given these three attempts at identity theft within five months, I was concerned about XXXX procedures for lifting my credit freeze and that led to letter No. 2. In my letter dated XX/XX/XXXX, I presented a situation where someone could spoof my phone number and lift my credit freeze without my knowledge, and I requested what additional steps I can take to ensure I was not a victim of identity theft again. I also stated I have no intention of lifting my security freeze and requested a seven-year extension on my credit fraud alert. As of today XX/XX/XXXX, Equifax has not responded to this letter.