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Initial Complaint
04/18/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
THE FOLLOWING ADDRESSES ARE NOT MINE: - ************************************************************* - ************************************************************************** - 433 PLAZA R EALSTE *********************************** FOLLOWING EMPLOYERS DONT BELONG TO ME -LUXE ********** CORP ONLY SPELLING OF MY NAME IS ***************************
Customer response
04/18/2024
No I *************************** am the one who submitted this complaint and I am requesting assistance from the BBB
Business response
04/19/2024
EQUIFAX

04/19/2024

*****************************
Better Business Bureau

RE: ***************************, Case # ********

Dear *****************************:

Thank you for submitting ******************* complaint on 04/18/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/22/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I would like ALL INCORRECT information removed from my credit report

Sincerely,

***************************
Initial Complaint
04/17/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
After multiple calls, I have been unsuccessful in receiving help from some someone at Equifax to resolve an issue that is very important to me. I had a consumer proposal in 2018 that I worked hard to pay off EARLY despite being off work and fighting cancer for the entirety of 2019. The consumer proposal no longer appears on my credit report, nor do any of the accounts that were associated with it at the time, EXCEPT for one, which is there in error. I have been paying the monthly subscription to monitor this. When I open the details it clearly says included in proposal The man on the phone today just kept interrupting me and telling me that it would not be removed and that there was activity on it in 2021 which is completely untrue since the proposal was in 2018. Equifax clearly has error and will not listen. Everything is absolutely fine with Transunion. I really dont know what to do next. He only seemed interested in trying to sell me a discounted monthly subscription when I asked to cancel. The account is for a **************** Please help me get this removed. I already had to fight about this account previously for months because it was being reported as an R9 instead of an R7. I dont even care about the money I wasted on this subscription, I just want my credit report to be accurate.
Customer response
04/18/2024
In response to your last message, I have not authorized a third party to claim on my behalf. The last call that I had with Equifax was yesterday. Please let me know if more information is required
Business response
04/22/2024
EQUIFAX

CONSUMER INFORMATION SOLUTIONS
April 22nd, 2024
Equifax ****** Co. PO Box 190
******** ** H1S 2Z2
Ms. Leblanc
***************************;
****************, ** E4B 2L6
Re: BBB complaint # ********
Dear ******************,
Via email: **************************
We acknowledge receipt of your complaint to the Better Business Bureau.
Please note the Scotia account that was included in the consumer proposal has been removed from your credit report.
You will be able to view this update in 30 days.
Trusting this is to your satisfaction.
Regards,
Anna
Equifax ******
National Consumer Relations
Cc. BBB, ******* **
Customer response
04/22/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
04/13/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Dear Better Business Bureau,I hope this letter finds you well. I am writing to formally lodge a complaint regarding an unauthorized account on my ********************** report, which is adversely affecting my financial standing and has the potential to impede my ability to secure important financial transactions, specifically the purchase of a house.Upon reviewing my FICO credit score in preparation for a home purchase, I discovered an account listed under *********** with the account number ************, showing a total outstanding balance of $3055. To my dismay, I have no knowledge of, nor have I ever initiated or authorized, any account with *********** under the aforementioned account number.The presence of this unauthorized account is deeply concerning to me, as it not only inaccurately reflects my financial history but also has the potential to negatively impact my creditworthiness, thus jeopardizing my ability to secure favorable terms for important financial endeavors such as securing a mortgage.In light of this discovery, I am formally requesting that the Better Business Bureau undertake the necessary steps and conduct a thorough investigation into this matter. Specifically, I urge you to intervene on my behalf and request *********** to promptly remove the erroneous account and associated balance from my credit bureau.I believe that this is a case of mistaken identity or possibly fraudulent activity, and I am committed to cooperating fully with any inquiries or investigations required to rectify this situation promptly. Additionally, I would appreciate your assistance in ensuring that my credit report is accurately updated to reflect this resolution.I trust in the Better Business Bureau's commitment to consumer protection and fair business practices, and I am confident that with your intervention, this issue can be resolved satisfactorily.Thank you for your attention to this matter. I eagerly await your prompt response and the resolution of this issue.
Customer response
04/13/2024
I am ********************************* who sent the same complain with same wording . I sent one against *********** and other one against Equifax credit bureau to remove this fraud card balance from my report.
no third party in this case . Its just me
thnanks
Business response
04/17/2024
EQUIFAX

04/17/2024

*****************************
Better Business Bureau

RE: *********************************, Case # ********

Dear *****************************:

Thank you for submitting ************************* complaint on 04/13/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/19/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*********************************
Initial Complaint
04/12/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Hi there. I am BEYOND MAD. There is an authorized account that is persistently reporting on my credit report as open, when it is closed. The reason why this is so detrimental is because it is reporting a balance of $5,646.00 when in reality that balance is $0.00 as I have ZERO affiliation with the card.I previously sent very similar literature to your bureau 2 weeks ago on 3/30/2024, however, I have been calling into your bureau and you are not acknowledging my paperwork. I am writing this complaint so that you MUST mark this account as CLOSED, and make the balance reflect as $0.00.Please review the paperwork below, and I am expecting this to be fixed promptly. If it is not fixed, you will be sued for very clear FCRA violations.
Customer response
04/13/2024
YOU MUST INSTRUCT EQUIFAX TO HAVE THIS INACCURATE ENTRY DELETED FROM MY CREDIT REPORT. I CAN PROVE MULTIPLE DAMAGES CAUSED BY THEIR LACK OF ATTENTION TO THIS DETAIL. IF THEY DO NOT COMPLETE THE DEMANDED ACTION, THEY WILL BE LITIGATED AGAINST.
Business response
04/17/2024
EQUIFAX

04/17/2024

*****************************
Better Business Bureau

***********************************, Case # ********

Dear *****************************:

Thank you for submitting ****** Roundys complaint on 04/15/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/19/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************
Initial Complaint
04/11/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I've been grappling with Equifax for well over a year concerning my trafficking dispute, and it feels like I'm stuck in a never-ending cycle. Despite providing Equifax with numerous documents confirming my survivorship status, they continue to reject them, even though these documents meet the criteria under the debt ******* act. Other credit agencies like Experian and TransUnion have accepted these documents without issue. Equifax, however, seems to have its own set of rules when it comes to verifying certain documents, which adds to the frustration. Each time I have to engage in this dispute process with Equifax, it dredges up painful memories that I'd rather not relive. It's traumatizing, embarrassing, and deeply hurtful to constantly revisit these experiences. Equifax treats this dispute like any other, despite the sensitive nature of the situation. Whenever I call, hoping to speak to someone who can help, I'm informed that the department handling these disputes is outsourced to a legal team. This outsourcing not only complicates the process but also raises questions about Equifax's commitment to assisting victims of trafficking. I've exhausted every option available to me and my caseworker to resolve this, but Equifax seems uninterested in cooperating. The emotional toll of constantly having to prove my victimhood is immense. Equifax's lack of transparency regarding their document review process adds to the frustration. Why do other credit agencies accept the same documents that Equifax rejects? It's a question that remains unanswered, as Equifax's customer ********************** offers nothing more than scripted responses that do little to address the issue at hand. In essence, navigating this ordeal with Equifax has been a distressing experience. The company's reluctance to accept valid documentation and their opaque dispute process only compound the challenges faced by victims of trafficking like myself.
Customer response
04/11/2024
not sure what this is about but I'm filing this complaint on my behalf.
Business response
04/15/2024
EQUIFAX
04/15/2024

*****************************
Better Business Bureau

RE: ************, Case # ********

Dear *****************************,
Thank you for submitting ******** complaint on 04/11/2024 through the BBB Complaint Portal. In their complaint, they indicated that they were concerned with their trafficking dispute.

We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking

Based on our review of your request and accompanying documents, the following additional information or documentation is necessary to complete your submission under section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142:

Victim determination documentation confirming that you were a victim of human trafficking, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity; or a determination by court in a case where a central issue is whether you are a victim of human trafficking. Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a victim of human trafficking.

So that we can complete processing of your request and block identified information, you need to contact us as quickly as possible to provide the above additional information. You may do this by mailing the information to ** at P.O. Box ****** ******* ** ***** or you may call ** toll free at ************** for more information or to learn about other ways to get this documentation to us promptly. If you contact us by mail, please include a copy of this letter or provide the confirmation number with your submission.

We are required to resolve your request within 25 business days of when we receive it, but we need the above required documentation in order to do so. If we do not receive the necessary documentation specified above in time to meet that deadline, we will have to decline and close your request. If that happens, we will notify you, and you may, of course, resubmit your request with the necessary information and documentation.

We look forward to hearing from you to complete your request or answer questions that you may have.

Thank you for the opportunity to assist you.

If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.

Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/15/2024

Complaint: 21563676

I am rejecting this because It's clear that simply reiterating the requirements isn't helpful since were already well aware of them, especially given that other entities have accepted the same documentation without issue.

Sincerely,

************
Business response
04/17/2024
EQUIFAX
04/17/2024

*****************************
Better Business Bureau

RE: ************, Case # ********

Dear *****************************,
Thank you for submitting ******** complaint on 04/11/2024 through the BBB Complaint Portal. In their complaint, they indicated that they were concerned with their trafficking dispute.
We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking

Based on our review of your request and accompanying documents, the following additional information or documentation is necessary to complete your submission under section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142:

Victim determination documentation confirming that you were a victim of human trafficking, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity; or a determination by court in a case where a central issue is whether you are a victim of human trafficking. Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a victim of human trafficking.

So that we can complete processing of your request and block identified information, you need to contact us as quickly as possible to provide the above additional information. You may do this by mailing the information to ** at P.O. Box ****** ******* ** ***** or you may call ** toll free at ************** for more information or to learn about other ways to get this documentation to us promptly. If you contact us by mail, please include a copy of this letter or provide the confirmation number with your submission.

We are required to resolve your request within 25 business days of when we receive it, but we need the above required documentation in order to do so. If we do not receive the necessary documentation specified above in time to meet that deadline, we will have to decline and close your request. If that happens, we will notify you, and you may, of course, resubmit your request with the necessary information and documentation.

We look forward to hearing from you to complete your request or answer questions that you may have.

Thank you for the opportunity to assist you.

If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.

Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/19/2024

Complaint: 21563676

I am rejecting this response because: They keep feeding us the same generic response, which doesn't address the specifics of why Equifax is rejecting documents that TransUnion and Experian have readily accepted

Sincerely,

************
Initial Complaint
04/11/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
My only name: *************************** Chess My only birthday: 08/01/1988 last four of ssn:8752 Address: *********************************************************************** Email: *********************** Date: 4/11/2024 Equifax Information Services LLC P.O. Box ****** *******, ** ***** Pre-Lawsuit Notice of Failure to Validate Inaccurate Information on Consumer Report Dear Equifax,I am writing to you concerning inaccurate information present on my consumer credit report. Despite multiple attempts to validate and correct this information, it has not been rectified. As such, I am issuing this pre-lawsuit notice in accordance with the Fair Credit Reporting Act (FCRA) specially 15 u.s.c. 1681s-2(a)The inaccurate information on my credit report includes KeyBank account #**** date of first delinquency 8/2019 on Equifax shows for 8/2019 on TransUnion ok shows 8/2019 Experian ok this is not the same credit reporting history on Equifax please remove this account from my ********************************************* report for inaccurate reporting which is a violation under FCRA law, also on Equifax this account shows between dates 10/2019 through 3/2020 has multiple back to back 120 day late periods which is in possible and is false inaccurate reporting under FCRA law remove this account from my ********************** report. Advantage fcu account #**** i was never late for this account i have ask prior to please validate proof from creditor showing i was late which you have not provided to me there for which is fcra violation i have documented all of my prior disputes and results i will provide to courts showing your violations of not conducting legal and proper investigation's I have previously disputed these inaccuracies with Equifax, providing supporting documentation and evidence to substantiate my claims. However, to my dismay, the inaccuracies persist, negatively impacting my creditworthiness and financial standing.Under the ***** Equifax is obligated to investigate disputed information and correct any inaccuracies within a reasonable timeframe. Despite my efforts, Equifax has failed to comply with these legal obligations, resulting in ongoing harm to my credit profile.Therefore, I am issuing this pre-lawsuit notice to inform Equifax of my intention to pursue legal action if the inaccuracies on my credit report are not promptly validated and corrected. If Equifax does not take immediate action to rectify this matter within 30 days from the date of this letter, I will have no choice but to initiate a lawsuit to enforce my rights under the FCRA.Please be advised that I have retained legal counsel and am prepared to pursue all available legal remedies to address this issue. This may include, but is not limited to, seeking damages for the harm caused by Equifax's failure to validate and correct inaccurate information on my credit report.Sincerely,*************************** Chess
Customer response
04/11/2024
Hi, this complaint is coming from me *************************** Chess. I add personal details in my complaint that i would never allow anyone to access such as my last four of my ssn. Also i authorize bbb to submit this complaint.
Business response
04/15/2024
EQUIFAX

04/15/2024

*****************************
Better Business Bureau

RE: Marquis ****** **** # ********

Dear *****************************:

Thank you for submitting Marquis ***** complaint on 04/11/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/15/2024

Complaint: 21563254

I am rejecting this response because: This response from Equifax does nothing in regard to reaching out to the furnisher I am asking please provide me proof showing i was late for these accounts and you still have not provided that if you cannot provide proof remove these accounts immediately from my credit report per FCRA law. I stated in my prior disputes and complaint, Equifax has not conducted proper investigation's regarding the inaccurate information on my credit file which should lead to a soon to be lawsuit. This will be added as proof that there not conducting proper investigations i have kept track of all details showing the neglect to do proper investigation's under FCRA law.

Sincerely,

Marquis Chess
Business response
04/16/2024
EQUIFAX

04/16/2024

*****************************
Better Business Bureau

RE: Marquis ****** **** # ********

Dear *****************************:

Thank you for submitting Marquis ***** complaint on 04/11/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer. Please allow 30 days for the investigation to be completed.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/16/2024
Hi why am i showing payments were made on time. I'm the one sending in a complaint regarding the matter for the company to provide proof i was late for these payments. Why am i getting this response im forwarding this to my lawyer. Id like to have a supervisor reach out to me, also the reporting agency is the one stating i was late so they need to provide me proof, obviously if my report is stating this they need facts showing where i was late. Also the creditor should have all documents showing the payment history there the ones with the information on file.
Initial Complaint
04/11/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I settled a debt with *********** auto finance and the balance should be at $0. I have attached the document if it asks for a password it is the last four of my social 5872. My bday is 1/3/1992
Customer response
04/11/2024
I didnt authorize anyone
Business response
04/15/2024
EQUIFAX

04/15/2024

*****************************
Better Business Bureau

RE: *******************, Case # ********

Dear *****************************,
Thank you for submitting ******************* complaint on 04/11/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate items reporting on your credit file.
One of our most important responsibilities is protecting their personal information. Before we are able to assist them with their Equifax credit file we have to verify their identity and address. So that we can process their request and verify their identity, please send a minimum of one item from each category list below:
Identification:
*U.S. Social Security card
* Pay stub with U.S. Social Security number
* W2 form
* Current Driver's license
Current Address:
* Current Driver's license
* Rental lease agreement/house deed
* Pay stub with address
* Utility bill (gas, electric, water ETC.)

If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.

Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/15/2024

Complaint: 21562490

I am rejecting this response because:I would like to close case everything has been updated.

Sincerely,

*******************
Business response
04/16/2024
EQUIFAX

04/16/2024

*****************************
Better Business Bureau

RE: *******************, Case # ********

Dear *****************************:

Thank you for submitting ******************* complaint on 04/11/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that the consumer advised they would like to close the case as their issues were resolved.
Thank you for the opportunity to assist you, we are closing this complaint.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally they can access free Equifax credit reports and other products.
Sincerely,

Sr. Consumer Relations Specialist

Customer response
04/16/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*******************
Initial Complaint
04/11/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I recently pulled my credit report & found some inaccurate accounts that were reporting. have made a list of all of the inaccurate accounts that i would like removed. I am in the process of getting a new home and this hurting me please review all of my documents and remove the accounts that are listed.
Customer response
04/11/2024
There was not a third party I was the one who sent this in me ***********************;
Business response
04/15/2024
EQUIFAX

04/15/2024

*****************************
Better Business Bureau

RE: *************************, Case # ********

Dear *****************************:

Thank you for submitting Zamir Jacksons complaint on 04/11/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
In reference to the concern regarding the investigation process: Upon receipt of the dispute, we first review and consider any relevant information submitted regarding the nature of the dispute. Often, Equifax will then transmit the dispute to the furnisher of the information (ie. the bank associated with a disputed credit card) for review and investigation. Equifax electronically sends a notification of the dispute, including a summary of the relevant information submitted, to the respective furnisher. The furnisher reviews the information provided, conducts an investigation with respect to the disputed information and reports the results back to us electronically. Equifax then makes deletions or changes to the credit file. The name, address and, if reasonably available, the telephone number of the furnisher(s)/source(s) of the information contacted while processing the dispute(s) is shown under the 'Results of the investigation' section on the cover letter that accompanies the copy of the revised credit file.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
04/10/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am writing to you for the tenth time in an attempt to resolve persistent inaccuracies on my equifax credit report. Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question. upon reviewing my equifax credit report once again, I discovered that it still does not align with the information provided by Equifax or Transunion or Experian. This inconsistency is deeply concerning, especially considering Equifax's obligation to ensure the accuracy of the data it reports. I've attached a copy of credit report and a complaint letter, Please update these accounts with the correct data or delete from my credit profile asap. First Credit Services, PSECU, Service **************** ****************** Credit, and Apple Federal Credit Union, Hccr Vive, Credit Acceptance.
Customer response
04/11/2024
Good Morning, BBB
I wish to emphasize that I am the sole author of this complaint and have not engaged any third-party credit repair agency or intermediary to represent me in this matter. It is crucial to me that this is clearly understood, as I am aware of the potential consequences consumers face when falsely accused of employing such agencies.
I am reaching out to both your organization and the Consumer Financial Protection Bureau (CFPB) for assistance in resolving this matter. I believe that through your combined efforts, we can address and rectify the concerns I have outlined in my complaint.
Should you require any further clarification or information from me, please do not hesitate to reach out. I am more than willing to provide any additional details necessary to facilitate a swift resolution.

Thank You
*************************** 4-11-2024 8:55A.M.
Business response
04/15/2024
EQUIFAX

04/15/2024

*****************************
Better Business Bureau

RE: ***************************, Case # ********

Dear *****************************:

Thank you for submitting ***************************** complaint on 04/10/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Initial Complaint
04/08/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am reaching out to address fraudulent accounts found in my credit report and request the removal of inaccurate information from my file. I DID NOT open these accounts. The items requiring deletion are outlined below. It's imperative to note that I have fallen victim to identity theft, and as such, did not authorize the opening of these accounts. Thus, I request the removal of these items to rectify the inaccuracies within my credit report. In response to this incident, I have promptly reported the identity theft to the ************************* Enclosed with this correspondence are copies of the pertinent documents, including the Federal Trade Commission's identity theft affidavit to substantiate my claim. Please delete the items as soon as possible. ACCOUNTS: ****************, ***********
Customer response
04/09/2024
Hello,
I confirm that I have submitted this claim myself. I am currently dealing with aggressive identity theft and this unfortunately isn't exclusive to Equifax. Since the reporting of fraudulent information is across multiple credit reporting companies, I have to claim against them "Equifax, Experian and TransUnion". This is the reason why you have received a complaint from me with similar wording. I sent the letter to all 3 credit bureaus that is consistent with my FTC affidavit & notarized.
Business response
04/10/2024
EQUIFAX

04/10/2024

*****************************
Better Business Bureau

RE: ***********************, Case # ********

Dear *****************************:

Thank you for submitting *********************** complaint on 04/08/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/13/2024

Complaint: 21547867

I am rejecting this response because:
As per ******** Credit Reporting Act, Section 609 (a)(1)(A), it is mandated by federal law that any accounts posted on a credit report must be verified through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This is a matter of IDENTITY THEFT, I am no longer accepting auto responses from your company. I'm aware of my ability to obtain a credit report and access Equifax products and services...

I am demanding Verifiable Proof, specifically an original Consumer Contract bearing my signature, for the accounts I have filed here in my complaint. Checking in with the furnisher of fraudulent information, to verify the same fraudulently reported information, is precisely why this inaccurate data is reporting. Your inability to positively verify these accounts has adversely impacted my credit-seeking endeavours. According to the ***** unverified accounts must be expunged. Therefore, if you are unable to furnish me with a copy of verifiable proof, the listed accounts must be promptly removed.

Sincerely,

***********************
Business response
04/15/2024
EQUIFAX

04/15/2024

*****************************
Better Business Bureau

RE: ***********************, Case # ********

Dear *****************************:

Thank you for submitting *********************** complaint on 04/08/2024 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file. Please be advised that an investigation with the furnishers of the information has been initiated. When the furnishing company provides their findings, we will send those results directly to the consumer. Please allow 30 days for the investigation to be completed.
If they have any additional questions, they may call ************** or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you, we are closing this complaint.
Sincerely,

Sr. Consumer Relations Specialist
Customer response
04/15/2024

Complaint: 21547867

I am rejecting this response because:
I am a litigious consumer, this is my third attempt at sending this message to Equifax regarding this claim. Equifax has responded with the exact same auto response message to my previous rejection. The law is very clear on the matter when pertaining to identity theft. Also, as per the Fair Credit Reporting Act, Section 609 (a)(1)(A), it is mandated by federal law that any accounts posted on a credit report must be verified through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This is a matter of IDENTITY THEFT, as I said before, I am no longer accepting auto responses from your company. I'm aware of my ability to obtain a credit report and access Equifax products and services... Furthermore, you're required by LAW to block fraudulently reporting information. I will also attach the *** Notice to Furnishers document for reference.

I am demanding Verifiable Proof, specifically an original Consumer Contract bearing my signature, for the accounts I have filed here in my complaint. Checking in with the furnisher of fraudulent information, to verify the same fraudulently reported information, is precisely why this inaccurate data is reporting. Your inability to positively verify these accounts has adversely impacted my credit-seeking endeavours. According to the ***** unverified accounts must be expunged. Therefore, if you are unable to furnish me with a copy of verifiable proof, the listed accounts must be promptly removed.

Sincerely,

***********************

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