Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Over a year ago, as I was reviewing my credit reports, I noticed a fraudulent account being reported by all XXXX credit reporting agencies ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I promptly filed an FTC report ( # XXXX ) and an affidavit of identity theft and sent this along with documents verifying my identity to the XXXX credit reporting agencies. This was in XX/XX/XXXX. All XXXX bureaus promptly removed the fraudulent account in question, but a few weeks later, my credit monitoring service informed me that Equifax had reinserted the account into my file. I contacted them on XX/XX/XXXX and was told that the creditor was still reporting the account to them so they were reporting it. I informed them that both XXXX and XXXX had deleted and blocked the reporting of this account and that it was not showing back up on those reports. They told me to contact the creditor and to file another FTC report so I did. 

I submitted another FTC report ( # XXXX ) on XX/XX/XXXX and sent them all the necessary documentation again. Again, the account was removed, only to be reinserted a few weeks later. 

I submitted ANOTHER FTC report ( # XXXX ) on XX/XX/XXXX. Again, the account was removed, and then reinserted. 

I submitted YET another FTC report ( # XXXX ) on XX/XX/XXXX. I received a letter on XX/XX/XXXX that the account was deleted and steps would be taken to ensure that it would not reappear on my file. On XX/XX/XXXX I received another letter stating that the account had been updated and *surprise* reinserted into my credit file. 

I have sent copies of the FTC reports and all of the other documentation that I sent to Equifax to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have received no response from them. I have tried to call the telephone number listed on Equifax 's credit file for the creditor and have been unable to speak with a human. 

After endless conversations and countless hours on hold with Equifax ( calls dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Equifax has started telling me every time that I call that their system is down and they are unable to review my credit file. This is coming from the Tier 3 Office of Consumer Affairs, which they claim is the highest level of escalation and that there was no manager or supervisor that I could be transferred to, and the person I was speaking to ( XXXX ) would not provide a last name or employee ID #. 

I have wasted a precious year of my life trying to get this credit reporting agency to do what they are legally required to do in this circumstance, and they continue to give me the runaround. All the while, the other XXXX credit reporting agencies deleted and blocked the fraudulent account the first time that I submitted the necessary documents outlined in FCRA 605 ( B ). Equifax is not only in violation of this law, but also a number of statutes under 15 USC 1681, and even when I bring this to their attention, they are unwilling to take responsibility and keep telling me to contact the creditor, which I already attempted to do.

It seems that the last chance I have to rectify this injustice is to file a complaint here with CFPB, and I pray that this will be resolved finally.

Company response to consumer: Closed with non-monetary relief