Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my Third attempt to resolve this issue with both the credit reporting agencies and the collection agency. Please be advised The failure to correct inaccuracies or verify the account is against the FCRA. I have made several attempts to dispute the collection agency and the credit bureaus for the simple fact that I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When asked to verify this account belongs to me XXXX XXXX provided statements that do not hold any information that identifies this as mt debt. I have not lived at the address on file since XXXX therefore I could not have knowingly obtained credit with this creditor. I have advised the collectors the account is fraudulent and they continue to report false and inaccurate information knowingly. Verification of a debt entails contracts that I would have physically signed for this debt which have not been provided to me. I am including the information XXXX  sent in response to my second attempt to dispute thru cfpb that only shows statements sent to an address I have not lived at since XXXX. Please stop sending information to validate this debt and provide information verification of this debt used to consider it my debt. Where are the signed contracts with my physical signature? Where are the documents provided to obtain this debt that show my identification documents. I was not a resident at the said residence the date timeframe the debt occurred. 

Attached are documents showing an failed attempt to validate a debt instead of bringing proper debt verification documents that contain my signatures. 

Attached are documents proving this company continues to knowingly report different information to each credit reporting agency. This debt is not mine, it is a fraudulent account and needs to be removed immediately On the response from XXXX they claimed the account was opened on XX/XX/XXXX but reported to Equifax as of XX/XX/XXXX that the account was opened on XX/XX/XXXX. 

In XXXX  response letter they stated the account was charged off on XX/XX/XXXX however they continued to report late payments as if the debt was active and delinquent. 

In XXXX  response letter they mentioned the account was charged off in XXXX of XXXX, however XXXX reported in XXXX of XXXX to XXXX that the account is open and in collections with a past due balance reporting XXXX and payment history showing in collection up until now XX/XX/XXXX. 

XXXX has openly violated many FCRA LAWS and the credit reporting agencies are failing to properly investigate this collector and allowing them to falsify Information on my reports repeatedly. I have been disputing this debt as fraudulent since it appeared on my credit report in XXXX and this company has gotten by successfully with providing false, inaccurate and inconsistent information each dispute. REMOVE THIS ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation