Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
This is a complaint against EQUIFAX, FOR FAILURE TO GIVE ME AN ANSWER TO ALL MY LETTERS I SENT TO YOU, FOR NOT RESPONDING TO MY REQUESTS AND FOR REPORTING NEGATIVE AND INCORRECT INFORMATION IN MY CREDIT. I HAVE MORE THAN 30 DAYS SENDING LETTERS OF REQUEST REMOVE Fraud Alert AND SECURITY FREEZE OR ANY BLOCK THAT IS IN MY CREDIT WITH EQUIFAX, COMPLAINT AGAINST YOU FOR NOT UPDATING MY PERSONAL INFORMATION ( NAMES, ADDRESSES, JOBS, ETC ) that appears in my credit profile with EQUIFAX. AND THAT MY LETTERS I REQUEST, I DON'T KNOW WHY MY LETTERS ARE NOT ANSWERED? I HAVE REALIZED THAT THEY DO NOT READ MY CORRESPONDENCES? WHY DON'T THEY PROCESS UPDATING IT? THE ONLY THING THEY DO IS TO BLOCK MY CREDIT AND PLACE A FRAUD ALERT THAT I DO NOT REQUEST, BECAUSE THEY ARE GOOD TO PUT INCORRECT INFORMATION IN MY CREDIT, BECAUSE THEY ARE NOT GOOD TO SOLVE MY PROBLEMS?????? There may be a delay in the updates, but it has been a long time and EQUIFAX has not eliminated the FRAUD ALERT AND THE FREEZ SECURITY, FOR ME? THIS IS VERY SERIOUS BECAUSE THEY HAVE ME BLOCKED BY ANY SITE, THIS IS  ILLEGAL, THEY MAKE DECISIONS ON THEIR OWN, AND ARE DECISIONS THAT DAMAGE ME AND ARE MADE BY THEM WITHOUT MY AUTHORIZATION. EQUIFAX IS VIOLATING THE LAWS THAT PROTECT ME : FAIR CREDIT REPORTING ACT. IT IS MY CREDIT AND I HAVE THE RIGHT TO BE IN CONTROL OF MY CREDIT BECAUSE IT IS MINE, ON THE OTHER SIDE THEY DO NOT GIVE ME ACCESS ONLINE AND THE CREDIT REPORT SENT TO ME BY POSTAL MAIL IS OUT OF DATE, Worst of all is that I they block and then I can't see what happens to my credit. 
This practice that they do WHAT THEY ARE DOING is illegal and contrary to THE LAWS THAT REGULATE CREDIT BUREAU. Equifax is breaking any law. THIS SITUATION IS A LOT OF SLIDE AND LACK OF CONSIDERATION TOWARD ME. I AM TIRED OF BEING CALLING ON THE PHONE SO THEY CAN HELP ME WITH ANY DISPUTE, I HAVE REALIZED THAT THE ONLY WAY TO DISPUTE MY INFORMATION IS BY TELEPHONE, THE LETTERS THAT I SEND THE ARCHIVED BUT DO NOT MAKE THE DISPUTE REQUESTED IN MY LETTERS, REQUIRED BY LAW. 
THEY DO NOT MAKE ANY UPDATES TO MY CREDIT, THIS IS A VERY HARMFUL SITUATION FOR ME, BECAUSE THEY ARE REPORTING INFORMATION THAT DOES NOT BELONG TO ME, ERRORS, INACCURATE INFORMATION. 

IF I DON'T CALL THEM ON THE PHONE AND I REQUEST TO MAKE THE DISPUTE, THEY DO NOT MAKE ANY DISPUTE TO ME AND NEVER UPDATE THE INFORMATION I REQUEST. For my part, I have complied with sending all the necessary documentation by certified federal mail and I still do not receive a response from you, I do not understand what is happening? WHY??? THEY DO NOT POSITIVELY RESOLVE MY APPLICATION, I HAVE ALREADY SENT ENOUGH DOCUMENTATION and with this they have already ( 3 three times ) sent the application letters along with my proof of identity. so that they can precede to make my disputes??? 
THERE IS NO EXCUSE FROM NOT MAKING MY DISPUTES BECAUSE I HAVE SENT YOU MORE IDENTITY TESTS WHICH YOU ASK ME AND I DO IT TO PREVENT THIS WHAT IS HAPPENING, IN THE SAME WAY SEND DOCUMENTATION OR NOT SEND, " DO NOTHING ''. WHERE IS THE COMPLIANCE WITH THE LAWS? It has been MORE THAN 30 DAYS since I filed a complaint with the CFPB and they replied that they can not process this type of request in this way. THEN BY WHICH VIA? ON LINE MAIL? BY PHONE????? I CAN'T YOU KNOW THAT YOU HAVE ME LOCKED SO THAT I CAN NOT DISPUTE THE WRONG? THIS IS ILLEGAL, THIS IS NOT WHAT THE LAWS SAY? WHERE IS YOUR WORK ETHIC??? SO THAT THEY REQUEST THAT I SEND DOCUMENTATION IF THE DISPUTES ARE NOT MADE AND THEY DO NOT UPDATE MY INFORMATION AS IT APPEARS IN MY DOCUMENTS?

Company response to consumer: Closed with explanation