Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Back in XX/XX/XXXX of XXXX, I submitted a notarized fraud packet with an official police report to Equifax along with the other 2 credit bureaus letting them know that I am a victim of fraud. I listed a fake address as well as two fraud accounts which were XXXX XXXX and XXXX XXXX  as accounts that I never opened. 

XXXX XXXX and XXXX have since fixed the issue and my credit has been restored through those bureaus. Equifax on the other hand has not fixed anything. They haven't sent me any notices either. Because we are now in XXXX and nothing seems to have been done, I tried opening an account directly through myequifax.com to have this account disputed again, but I am unable to. It gives me a message saying I am unable to dispute because I already filed a dispute and it is under investigation. Although that may be true, my dispute began back in early XXXX of XXXX. Why is there still an investigation when the time limit to complete an investigation is only 30 days and it has been more than 60? 

On top of not receiving any results from Equifax, not having my account corrected, and not being able to initiate another dispute through their own website, I am now unable to get anything done via phone either. Today I went to a local credit repair company since I am fed up with nothing being done for me through my own efforts and they tried doing a conference call with me directly to Equifax so we could get to the bottom of this. That didn't work either. Equifax told us that they wouldn't do a conference call with us and could only be on a call with me directly. All I will say to that is you have to be kidding me... 

It gets even worse. The credit repair person let Equifax know that he had in fact just spoke with them on a three way call an hour previously for another individual who was having the same problem and Equifax was able to help them out. Due to privacy concerns and not being able to release information on someone else 's case personal information, all I heard was that it was for a XXXX XXXX. Also, without listening to the actual call, I was showed a phone record from today to the same number belonging to Equifax that we called with a total call time of 42 minutes and 10 seconds proving that Equifax had in fact been spoken to today. Why did one representative help another customer out but this one decided he didn't want to help me?

After a bit of arguing back and forth with the Equifax representative, the credit repair agent simply sked to speak to a supervisor as it was ridiculous that I wasn't being helped out and that they don't allow conference calls when he had personally just conducted one with them an hour earlier for the same reason. The bottom line is that after being put on hold for almost 10 minutes, we just hung up at the 20 minute mark.

I am filing this complaint to you because its crazy that Equifax either doesn't want to do their job, or they are making life difficult for me. XXXX and XXXX XXXX already deleted all the fraud items from my report without problems or hesitation, so why can't Equifax?