Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Complaint about Equifax Credit Bureau for keeping me hostage from my credit file that is held by the office of consumer affairs I want to communicate the challenges I am facing with Equifax disregard the consumer financial laws and rules and regulation. 


I have been a victim Identity theft and because of that have cause a variety of problems to my credit file, a number of debt collectors account appear on my file. 

The person or people that took my identity manage to open credit cards in my name ruining my credit rating and making future purchases impossible. Insurance companies use lower credit scores to justify higher rates I have been denied employment because of false information in my credit history. 
I have suffer serious harassment by debt collectors. Even after I discover the theft, corporate predators have taken actions that are counter-productive and have hurt my ability to recover my own identity I have experience the following ongoing daily issues Unknown credit accounts have popped up on your credit report. 

You have been receiving mail my name with someone else ssn Companies that you have not done business with or applied to for credit have been looking at your credit report. 

Debt collectors have started sending me collection notices for accounts I do not have. 

Your credit report is currently listing alias name and addresses that I have never used. 

I have received bills, statements, or other account information in the mail relating to accounts I did n't open. 
As a victim of identity theft, I have not been able to exercise any of the protection that are under the revised Fair Credit Reporting Act ( FCRA ). 
That statute not only entitles you to free copies of your credit file ( your  credit reports XXXX, it also enables you to place a fraud block in your credit report file. Which I have requested and Equifax never did anything about it. 

Yes I was able to placing a fraud block with the 3 bureau credit file, I wanted to be notifying for any potential creditors that someone has been using my identity to warn them not offer any type of credit without absolute proof that they are actually dealing with me by calling me directly. 

The problems I had with Equifax they continually remove my phone number to which I request to be call at. 

Since the discovery of my identity theft I have dispute item on my credit report directly to the creditor letting then know I was a victim of identity theft Unfortunaly in doing so it open up an open-ended inquiry from the creditor to me Under the revisions to the Fair Credit Reporting Act ( FCRA ), it says creditor must provide all information requested to the consumer if there is a credit reporting dispute. 

When I disputing the identity theft item directly to the creditor, I have been required to provide information that is not already in the possession of creditor, information when provided to them, then after was against me. 

I have been harass and some of them have intentionally destroy my credit instead of helping me It have been impossible to get help from Equifax such getting documents that relate to dispute and all the information of who reported this account and how they ended up on my file, if it was not a mix file? I was trying to see how much damages ( how I was harmed ) Like to say that the only bureau I have this issue was Equifax was were all account appear suddenly on my profile. That should have race a belt of been a mix file. 

The office of consumer affairs were to blame much of the problem since they maintain and is the record-keeper and have manage my file since XXXX 2017, by a result mix files denied to admit that my file was possibly mix with someone else, or someone else have use my identity to create another profile, to this day there was never an investigation to see if perhaps another file on fact was incorporate with my file. 

They rejected and denied close case. But yet assuring that was not the case without any internal investigation which should have be easy to approach, but no. This is a mayor violation! 

As a result I have been kept from getting access to my file at any giving time, as often as is necessary. I simply my right to do so. 
Furthermore I have try to establish and remind them that their obligation mainly is recordkeeping. 

With that say as long as they feel that they have control of my file regardless of my right are being violate no ones but far too many times are a number of violation have occur. 

I ask of you because you maintain record and policing I ask you at your discretion have this be investigate. 

I know for fact and evidence and search that there is a very large number of people that are been affected from abusive practice from employees from Equifax This complaint was intentionally to be short, is not the complete record. At your request I will be very happy to provide to you complete well writing file of my complaint so for you to further review and if there is the need for intervention. 

Because of the situation I will be force to file a lawsuit again Equifax with the hope to get my file for been refuse services and to have then fix what have been disputed no one, but to many times with not results I was told by Equifax staff dispute something will be only by regular mail. 
I was denied of using any other methods as Equifax website, telephone or the use of the fax. 

In conclusion and with so much stress they have cause me for not being able to access my file creating a number of issues including prosper employer for employment No allowing me to executing my right regardless current laws as for the benefit of, for the benefit of consumer Consumer Credit Protection Act ( CCPA ) which contains several acts with more precise scope The Fair Credit Reporting Act The Truth Lending Act The Equal Credit Opportunity Act The Fair Debt Collection Practice Act And The Electronic Fund Transfer Act Equifax I am simply ask because I can not force you, to your Obligation you have and that you know you have, please practice the rule do your work, for your sake and everyone sakes. 

Please on your respond to this complaint if you do, do not respond to this and pretend by saying that you have done nothing wrong if you were not, do you think I will be writing this? 
Thank you!

Company response to consumer: Closed with explanation