Equifax, and only Equifax, not XXXX and not XXXX filed an collection item on my credit report that ( i ) belonged to someone with the same first name but a different last name, XXXX ii XXXX belonged to someone on a state in which I have never lived and XXXX iii ) did not have a correlating social security number. In addition, they added that person 's name and address to my credit. I received notice of this from a credit monitoring service I use. This item caused my credit score to fall from XXXX to XXXX with Equifax and from XXXX to XXXX with FICO. 

I contacted the creditor, confirmed that they did not provide a social security number to the credit reporting agency and notified them of the error. I also filed a dispute with Equifax and a notice with XXXX and XXXX of the false information Equifax was reporting and the issue. Equifax investigated and removed the false name, address and and item from my credit report. HOWEVER, they failed to restore my credit score to what it had been prior to their error. 

I sent a letter requesting that they restore my credit score. They did not. 

I then called them in an effort to address the issue. This was an extremely frustrating experience in which the agent just stated the same thing over and over and failed to address my issues or concerns. They made me pay and wait two weeks to find out via mail what they restored my score to. I just received the information via mail, which confirmed that they had NOT restored my credit score to the proper number. My credit score should be XXXX, not XXXX as stated on the report I was forced to pay for. 

I think that Equifax operates in a manner that is unethical and, essentially, a racket against consumers in this respect by ( i ) allowing unsupported, unsubstantiated and clearly erroneous negative information to be filed on the incorrect person 's credit report and XXXX ii ) requiring the victim of this to then either pay them for their credit score or pay to join their program in order for the victim to confirm that they have been fully restored and made whole. I would like my credit score restored to what it was prior to Equifax 's erroneous actions.