Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal complaint against Equifax Information Services, LLC. SINCE I DO NOT RECEIVE ANY CORRECT RESPONSE TO THE DISPUTES I HAVE BEEN MAKING EQUIFAX SINCE I HAVE FOUND THAT I AM A VICTIM OF IDENTITY THEFT. I WANT TO XXXX  IN THIS COMPLAINT THAT I THANK THE AGENTS OF EQUIFAX INTERNAL DEPARTMENT, FOR HAVING A SO FRIENDLY, PROFESSIONAL AND PATIENT DEAL TO HEAR MY DISPUTES AND TRY TO HELP ME AND I UNDERSTAND THAT THIS IS NOT IN HIS HANDS, I KNOW THAT THEY HAVE DONE WHAT IS HUMANLY POSSIBLE TO HELP ME THE TIMES THAT I CALL BY TELEPHONE, THAT IS WHY I DECIDE TO MAKE THIS COMPLAINT, HERE THE PROBLEM AND THAT I DO NOT SEE IT END IS THAT THERE IS A DEFICIENCY IN THE TECHNOLOGICAL SYSTEM, A DISAPPOINTED COMMUNICATION WITH THE DEPARTMENT AND THE DEPARTMENT THAT RECEIVES IT AND UPLOADS IT FOR DISPUTE. MY THANKS TO THEM. STORY : THIS COMPLAINT THAT I AM MAKING IS TO REPORT TO THE CFPB AND THE FTC, ALL THE IRREGULARITIES AND INCORRECT INFORMATION THAT EQUIFAX IS REPORTING IN MY PERSONAL CREDIT WITH THEM, THIS SITUATION HAS BEEN HAPPENING SINCE XXXX, I HAVE BEEN VICTIM OF THEFT SUBMITTED SEVERAL POLICE REPORTS, FTC ID THEFT REPORTS AND EQUIFAX DOES NOT RESPOND TO MY DISPUTES AND DOES NOT BLOCK THE INCORRECT INFORMATION THAT IS REFLECTED IN MY CREDIT BY BREACHING ALL FEDERAL LAWS OF FAIR CREDIT SECTION 605B AND 6 ( A ) IF AN INFORMATION IS DISPUTED FOR MORE THAN 30 DAYS AND THE CREDIT IS NOT RESPONDING AND A DEBT CAN NOT BE VERIFIED AND IF THE AFFECTED ( Y0 ) IS A VICTIM OF IDENTITY THEFT THE CREDIT AGENCIES MUST PERMANENTLY BLOCK ALL THE INFORMATION THAT IS PRODUCED OF THIS, IN THE NEXT 5 DAYS ONCE THIS HAS BEEN REPORTED, AS WELL AS CREDITORS CAN NOT REPORT ANY MORE. BELOW I WILL LIST EACH OF THE IRREGULARITIES THAT EQUIFAX IS DOING IN MY CREDIT WITH THEM : 1. IN XX/XX/XXXX I SUBMITTED A POLICE REPORT, FTC AFIDAVIT, FTC REPORT AND EQUIFAX 'S RESPONSE WERE THEY WERE NOT ABLE TO DISPUTE THE INFORMATION BECAUSE I HAD NOT SENT A COPY OF THE SOCIAL SECURITY, WHEN NOT IT IS ALWAYS CERTAIN THAT I MAKE A DISPUTE I SEND ALL THE INFORMATION THAT THEY REQUEST, WHEN I CLAIM THAT, THEY ANSWER ME WITH ANOTHER EXCUSE THAT THEY NEEDED ANOTHER ADDITIONAL ID THAT THEY HAD SENT, I SEND A COPY AND EXIT THEM WITH ME THEY CAN NOT DISPUTE INFORMATION WITH THE POLICE REPORT THAT I SENT BECAUSE XXXX MONTHS HAD ALREADY PASSED AND THE POLICE REPORT WAS NOT ALL THE ACCOUNTS THAT WERE DISPUTING, EACH TIME A DIFFERENT EXCUSE. CONCLUSION : DO THE SAME IRREGULARITIES FOLLOW AND CAN NOT BE DISPUTED? RESULTS????? LOST TIME AND MONEY, MORE UNFORTUNATE FOR ME. 
2. WHEN I SEND ALL THE DOCUMENTS THAT THEY REQUEST TO SUPPORT THE DISPUTE FOR IDENTITY THEFT, THEY TELL ME THAT THE DOCUMENTS DO NOT COME TO THEM AND IF THEY COME, THEY COME TO THEM INCOMPLETE, MADE IMPOSSIBLE BECAUSE I SEND EVERYTHING IN THE SAME MAIL AND LOW MAIL THIS IS AN IRREGULARITY THAT MUST NOT HAPPEN. BECAUSE THE FEDERAL MAIL CAN NOT DECIDE AND CAN NOT VIOLATE THE CORRESPONDENCE OF OPENING THE ENVELOPE AND DECIDING WHICH DOCUMENTS ARE DELIVERED AND WHICH NOT? THIS IS ANOTHER VIOLATION FROM EQUIFAX AND WHO RECEIVES THE DOCUMENTS AND DOES NOT DO THE RIGHT THINGS. 
3. IRREGULARITY AND THE MOST IMPORTANT, HAVE ME BLOCKED VIA ONLINE, I CAN NOT MAKE ANY DISPUTES, FACT THAT AFFECTS ME TERRIBLY, BECAUSE? I EXPLAIN : I HAVE TO MAKE THE DISPUTES VIA POSTAL CORRESPONDENCE, BUT IT IS IMPOSSIBLE TO VERIFY IT WITH THEM, BECAUSE ALTHOUGH I SEND IT A CERTIFIED MAIL AND I RECEIVE THE SIGNED AND RECEIVED CARD, THEY SAY THAT THEY DON'T ARRIVE TO THEM, THEY SAY NO MAIL WORSE EVEN THAN IT DOESN'T COME FULL THEN HOW CAN I MAKE THE DISPUTE CORRESPONDING WITH WHAT I SEND THEM IF THEY ARE NOT MAKING THE DISPUTE TO ME THAT I REQUEST. MY QUESTION IS THIS??? THE LOCKING SYSTEM DOES WORK TO BLOCK ME SO I CAN NOT DISPUTE INFORMATION ON LINE, BUT THAT SAME SYSTEM DOES NOT WORK FOR YOU TO BLOCK ACCOUNTS THAT HAVE BEEN OPEN UNDER IDENTITY THEFT. THIS IS IRRATIONAL. 
4. IRREGULARITY AND THIS IF I HAVE EVEN MORE CONCERNED AND STRESSED ON THE EDGE OF MADNESS, EMOTIONAL WEAR IS NOT NORMAL. I WANT TO KNOW AND I REQUEST ANY DOCUMENT BECAUSE THE EQUIFAX REPORT DAILY AND CONSTANTLY CHANGES, EVERY DAY DOES IT HAVE A DIFFERENT INFORMATION TO THE ONE DISPUTED THE PREVIOUS DAY? AND WORSE IS AN ACCOUNT REMOVED AND THEN I CALL THE NEXT DAY AND THE SAME ACCOUNT IS REPORTED BUT IT CHANGES STATUS? WHAT'S HAPPENING WITH THIS? TO ME UNDERSTAND THE EQUIFAX SYSTEM IS VERY VULNERABLE TO ID THEFT AND THE WAY IT HANDLED IS EVEN MORE WRONG, BECAUSE THEY SAY THE ACCOUNTS ARE BLOCKED, BUT THE NEXT DAY IT SHOWS WHAT TO DO? I HAVE TO BE CONSTANTLY MAKING A COMPLAINT TO THE CFPB SO THAT I CAN VERIFY WHAT I DOTHE DISPUTE? THIS SHOULD NOT HAPPEN, IT IS SUPPOSED THAT THEY SHOULD DISPUTE WITH THE LETTERS AND REPORTS FROM THE POLICE AND THE FTC, WHICH I SEND VIA FEDERAL AND CERTIFIED CORRESPONDENCE. THIS FACT IS ABNORMAL, AND IRRATIONAL, IT HAS NO LOGIC. I DO NOT RECEIVE ANY GOOD NEWS FROM EQUIFAX. AM I TIRED OF BEING CALLING ON THE PHONE TO VERIFY IF MY CORRESPONDENCE IS REACHING YOU? AND MORE SAD EVEN YOUR IRRATIONAL RESPONSE MRS. XXXX THE CORRESPONDENCE DOES NOT COME AND THE ONE THAT ARRIVES IS INCOMPLETE. MUST DO IT AGAIN, REALLY I DON'T KNOW WHAT TO DO. 
5. THIS MAKES ME VERY WRONG, NERVOUS AND VERY STRESSED. I HAVE REALIZED THAT THE DISPUTE AND VERIFICATION SYSTEM DOESN'T WORK AS IT SHOULD BE, I GO BACK AND I REPEAT IS VULNERABLE FOR IDENTITY THEFT, BECAUSE IT DOESN'T WORK WELL? OR AT LEAST WITH ME NO, THIS IS VERY DELICATE AND DANGEROUS, WITH ALL THE ACCOUNTS I HAVE TO COMPLAIN WITH THE CFPB AND THE FTC AND ALL THE FEDERAL CONSUMER SUPPORT AGENCIES TO REPORT ALL THE ACCOUNTS THAT EQUIFAX SAYS IT BLOCKS AND NO IT IS TRUE? EQUIFAX IS SUPPOSED TO VERIFY THE INFORMATION AND SEE ALL THE DOCUMENTATION I HAVE SENT TO REPORT THE ID THEFT AND THE INFORMATION I REQUEST IS BLOCKED, BUT IT IS NOT MADE BY THEM. THIS IS TRUE AND I WANT TO PUBLISH IT BECAUSE THIS FACT IS INCONCEIVABLE AND INCREDIBLE??? THIS IS HAPPENING RIGHT NOW AND IT IS AFFECTING ME ECONOMICALLY AND THIS IS A MISTAKE THAT EQUIFAX DOES NOT WANT TO ACCEPT, AND THAT THEY ARE DOING AN XXXX, THEY ARE DOING ALL THE CONTRARY TO WHAT THE FEDERAL LAWS FEDERAL EVEN WORSE I AM A VICTIM OF ID THEFT AND THAT I AM SENDING ALL THE DOCUMENTATION TO SUPPORT MY DISPUTES. IN FACT ON XX/XX/XXXX, I MADE A COMPLAINT IN CFPB AGAINST XXXX XXXX, FOR AN ACCOUNT THAT EQUIFAX IS REPORTING, UPLOADED THE SAME INFORMATION THAT I SENT TO EQUIFAX TO DISPUTE THE ACCOUNTS THAT ARE NOT MINE. AND XXXX XXXX ANSWERED ME BACK ON XX/XX/XXXX, XXXX 10 DAYS LATER, TEXTUAL TO CFPB XXXX No : XXXX ref : XXXX WERE WRITING IN RESPONSE TO YOUR RECENT CORRESPONDENCE TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). WE HAVE REQUESTED TO HAVE YOUR CREDIT REPORT UPDATED. WE UNDERSTAND HOW ALARMING IT MAY HAVE BEEN TO SEE AN UNEXPECTED ACCOUNT ON YOUR CREDIT REPORT. USING THE INFORMATION PROVIDED WITH YOUR CORRESPONDENCE, WE CONFIRMED SOMEONE ELSES ACCOUNT WAS BEING INCORRECTLY REPORTED ON YOUR CREDIT REPORT. WE APOLOGIZE FRO THE CONFUSION AND HAVE SUBMITTED THE REQUEST TO HAVE THE ACCOUNT REMOVED. WE ASK THAT YOU ALLOW THREE TO FIVE DAYS FOR THE PROCESS TO BE COMPLETED. WE UNDERSTAND HOW UNSETTLING IT CAN BE TO BE A VICITM OF FRAUD. YOU CAN LEARN MORE ABOUT HOW TO PROTECT YOURSELF FROM IDENTITY THEFT AND WHAT TO DO IF YOU THINK YOU MIGHT BE A VICITM BY VISITING XXXX AND FOLLOWING THE SECURITY CENTER LINK AT THE BOTTOM OF THE PAGE. YOU MAY ALSO WISH TO VISIT WWW.IDENTITYTHEFT.GOV WHICH IS THE FEDERAL TRADE COMMISSIONS ONE-STOP RESOURCE FOR IDENTITY THEFT VICTIMS. THE SITE PROVIDES CHECKLISTS AND INFORMATION TO GUIDE THROUGH THE RECOVERY PROCESS. WE HOPE WEVE ADDRESSED YOUR CONCERN. NOW WELL UP TO HERE, I TOLD MYSELF THAT I AM RECEIVING THE RESPONSES FROM THE CREDITORS, THE UNUSUAL AND UNIMAGINABLE. THE NEXT DAY, XX/XX/XXXX, EQUIFAX REPORTS AGAIN IN MY CREDIT THE ACCOUNT XXXX XXXX THAT I DISPUTE WITH XXXX XXXX AND WITH A LETTER IN WRITING AND RECEIVED BY THE CFPB PORTAL WHERE XXXX XXXX VERIFIED THAT THAT ACCOUNT DOES NOT BELONG TO ME. MY QUESTION?  WHY DOES EQUIFAX KEEP REPORTING INCORRECT INFORMATION UNDER MY NAME? THIS LETTER WILL BE SENT THROUGH THIS WAY COUNT THIS COMPLAINT AS IT WAS REPORTING TO EACH ONE OF THE EERORS THAT DAILY THEY DO UNDER MY CREDIT.

Company response to consumer: Closed with explanation