Complaint Review: Equifax Credit Information

I spoke with a lawyer about a year and a half ago, and I was told that if you ever want Equifax to do anything right, you have to sue them. And he's right. I am a Washington resident, and an Identity theft victim.

Washington has many consumer protection laws with regards to reporting information that is related to identity theft. Plain and simple, Washington along with California, if you are an ID theft victim and you file a police report, and evidence fraudulant accounts on your report, that item must be blocked from reporting.

For example, if somebody opens a credit account in my name, i find it is fraudulant, and then I file a police report, the credit bureau is obligated to remove that data unless they feel you are lying. In my case, I have had a number of ID theft accounts, and Experian and Trans Union as well as Chexsystems/SCAN have been more than helpful in their timely pursuit of helping me. However, with Equifax, i sent them the same affadavits and police reports (even after notifying the original creditors, which is another case entirely), and they conveniently "lose" letters and documents I have sent.

They do not respond to my inquries within 30 days as dictated by Federal law. To give you an example, I applied for six different lines of credit to start a business. If the company used Experian or TU, I was approved, and approved with low interest rates and high limits.

If they ran Equifax, I was declined. There is something fundamentally wrong here. My next step is to file papers in State court since I am most interested in seeing them comply with our laws here in Washington.

Hopefully after I am finished, I can at least make Equifax realize that they need to comply with the law