Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Before I Filed my first case on XX/XX/XXXX I had previously disputed these items in which the last one I disputed was XXXX XXXX and it was waypoint and the results came back that they filed everything accurate and updated everything On XX/XX/XXXX I spoke with my lender because I'm in the process of buying a house And she told me that the negative items were affecting my credit line and I had to get them off or at least the comments off about previously being in dispute remarks and I believe she said it couldn't say collections. So I called XXXX XXXX they say that they could perform maintenance For me in which the lady removed the remarks about it previously being in collection and she notated that the account was closed So I called My lended back And she said it also couldn't have charged off on it so I called back to see if maybe I could get another maintenance done in which the representative acted like she didn't know what I was talking about so I was explaining to her my laws pertaining to 15USC 1681 and 15 UsC 6802. So now men and lady going back and forth because he's telling me that can't be done I'm telling my report has to be accurate and the information is not information that was even supposed to be reported y'all basically still in my identity and selling my information so these you need to file a police report so she hung up I called back I spoke to someone else he said that he saw the lady had put it up under fraudulent and did I have the proper documents and I asked him what was the proper document he said well see you have four fraudulent things on your account and which I only knew about three so An FTC police report and C F PB Then I called XXXX XXXX back they informed me Three different ways to upload information or send any information which was an email address XXXX They also said that I could mail in the information or I can do a dispute in which I didn't want to do a dispute because of what the lender Hey say previously but they kept saying that they did not receive the documents and there was no other way for them to receive them in a time sensitive matter unless I do the dispute and they will already see it and be able to get the information from that and then close the account in 4 days so me and the lady stayed on the phone for about an hour and a half during the dispute I did all four disputes on XXXX XXXX When When we got off the phone the Lady said although she couldn't pull it up because the message that it raised it said delivery by post mail instead of you results. In which she said this because the file was to be for a computer to read that many human had to read it but she saw that it was in and when they get it they will delete it in 4 days so I called back the next day to make sure that they had saw it because on my end I couldn't click on it because the way it read they informed me they didn't see that I had no open disputes the only disputes I had were in the past and they had already been closed and to submit the documents so they can receive it I would have to do and do a Dispute I informed the lady I already did that with the lady on the phone the other day we went back and forth for a while and I'm asking the lady if I didn't put and she said a dispute in how come when I click on it it says that I can't because I previously have one opened And that one has to be finished before I can submit another one she's like she don't know something wrong with the system They said they could not tell because it was I haven't been more than XXXX hours on the XXXX I got a message saying they deleted the three items I called to ask them why they deleted the items they said it was because of Identity theft So I asked them they blocked the account so that they couldn't report any more they say yes so I called the creditors to see they said they didn't see this it might take some time to reflect but it should be no more than two to three days so I keep calling them back it doesn't reflect although I do see the items moved on my credit report on some other side agencies they said collections or charge off so I called them back to see what it was reported under again they said it was reported under I didn't need them So didn't they send me a letter saying that the identity theft information I sent was in good enough and I would have to submit documents again mind you I didn't see that paper on it today because they keep blocking me out of my account although they was telling me that it was under Identity theft it is not and the information I submitted wasn't good enough because I reported one of the names wrong in which I told the lady he still has the same account number that really did it mean the thing because if one was closed it should still be closed because they was the same account they sequencing for me that I wasn't under identity of or something said that nature because my documents wasn't acceptable in which it say I didn't put my phone number on social security number and other personal information about me in which in all the places I found said not to because they would give the consumers this information and because of that they said it was not grounds to grant identity theif Mind you the lady say that she see how the information is wrong I haven't l but there's nothing she can do about it. They're trying to make it seem like they deleted Items before I found the report in which this is inaccurate were already deleted before I found the reports in the information was already updated so they're not responsible for identity theft they keep locking me out of my account I can not receive my credit score over credit report on Annual reporting unless I opt out I can not speak with someone over the phone unless I opt out I can not send the information unless I opt out At this point they are willifilng disobeying the law after I submitted the proper documents they were still reported fraudulent information and tries to limit what I could do unless I opt out or opt in and which isn't covered by CongressFull Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX SSN : * -- XXXX XXXX Incident Details XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Account Type : XXXX XXXX Account Original Creditor : XXXX Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX Fraudulent Activity Date : Account placed in collections on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX ( # XXXX ) Account Type : Factoring Companys Account Original Creditor : XXXX XXXX XXXX XXXXXXXX. 

Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX Fraudulent Activity Dates : Account opened on XX/XX/XXXX. 

Account closed on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX ( # XXXX ) Account Type : Collection Agency/Attorney Original Creditor : Charter Communications XXXX XXXX : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Fraudulent Activity Date : Account entered collections on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ( XXXX XXXXXXXX ) : Original charge-off amount of {$630.00}. 

Account opened on XX/XX/XXXX, closed on XX/XX/XXXX. 

Status : Charged Off. 

XXXX XXXX XXXX Account ( # XXXX ) : Duplicate entry for the same debt, reported as Placed for Collection.

Company response to consumer: Closed with explanation