Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to open a XXXX XXXX XXXX XXXX 

They attacked my credit score after refusing to close the account, and insisting that I pay the monthly installment for a card I didn't have, that they were reporting to the credit bureaus as a secured loan. 

This is illegal. 

I did not have any funds, nor were any provided to me. They used this as a mechanism to threaten me and my credit score. 

I never received a card and never agreed to a loan, I agreed to a Secured Credit Card, of which they did not send me, and committed fraud, effectively flicking me off, and creating a loan application on my credit report, and then pretending I wasn't paying the loan. It is extremely illegal, and credit fraud, loan fraud, credit reporting fraud, credit score fraud and extortion. 

Disputed information accurate. Updated account information unrelated to the dispute : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. 
Consumer 's dispute not specific. Consumer Information verified. Account information updated : Information on your report has been updated. 
The Results Of Our Reinvestigation Credit Account Information ( For your security, the last XXXX digits of account number ( XXXX ) have been replaced by * ) ( This section includes open and closed accounts reported by credit grantors ) Account History Status Code Descriptions XXXX : XXXX Days Past Due XXXX : XXXX Days Past Due XXXX : XXXX Days Past Due XXXX : XXXX Days Past Due XXXX : XXXX Days Past Due XXXX : XXXX or More Days Past Due G : Collection Account H : Foreclosure XXXX : Voluntary Surrender K : Repossession L : Charge Off XXXX The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION ( Continued On Next Page ) XXXX Page XXXX of XXXX XXXX HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *BALANCE *SCHEDULED PAYMENT *DATE OF LAST PAYMENT *CLOSED DATE *ACTIVITY DESIGNATOR. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Account Number XXXX Date of Last Reported Update XX/XX/XXXX Status Date Opened XX/XX/XXXX High Credit Credit Limit Terms Duration Terms Frequency Monthly Months Revd Activity Designator Creditor Classification XXXX Paid and Closed {$1600.00} XXXX Months Balance Amount {$0.00} Amount Past Due Date of Last Payment XX/XX/XXXX Actual Payment Amount Type of Loan Secured Scheduled Payment Amount Date of XXXX Delinquency Date of Last Activity Date XXXX XXXX. XXXX Rptd Charge Off Amount Deferred Pay Balloon Pay Balloon Pay Date Date Closed XX/XX/XXXX Type of Account Installment XX/XX/XXXX Whose Account Individual Account Portfolio Indicator Start Date Amount Portfolio Status Pays As Agreed ADDITIONAL INFORMATION : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator No Data Available {$1600.00} {$150.00} {$1600.00} Secured {$1600.00} {$150.00} {$1600.00} Secured

Company response to consumer: Closed with explanation