Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Late in XX/XX/2020, I was informed via XXXX XXXX that an account of mine had gone for collection notice. I reviewed the Equifax report, I noticed the following : A company called XXXX had sent a collection agency notice to Equifax Equifax downgraded my score by many points 17 ( points pus ) There was an option where I could dispute the collection notice. 
Before I opted to dispute the credit reporting. I researched the source of the filing It appears that the original creditor was XXXX XXXX XXXX on an account that was opened in XX/XX/2020 for apparent cable connections o A balance of over {$300.00} was due I called XXXX and they had no reference on my name tied to any account I called XXXX XXXX and they had no reference on my name tied to any account I opted to file the dispute because I have no cable service. Opened an account with Equifax for the filing of the dispute NOTE : Reviewing and taking the above action steps took about 4 to 5 hours of my workday. 


On XX/XX/2020, I get an e-mail from Equifax stating that the dispute claim findings had been completed. The findings were the following : The results of the dispute were the following ( copied and pasted from e-mail received ) There was nothing asked of me to confirm debt, or anything whatsoever to the review filing, debt, etc. 
I have no idea what the purported re-investigation consisted of. 
o I ask that I be provided the proof of linking me to this account On XX/XX/2020, I called XXXX 3 times. 
o The first time ( a Ms. XXXX ) advised me ( after not being able to find my physical address ) that they were removing my phone number from collection calls because I did not owe them anything. 
FYI - I was never getting collection calls o The 2nd time after the phone call was failed I am again told that there my name is not tied to anything with XXXX or XXXX o The 3rd time I speak to a Ms. XXXX who told me to call back on Monday After the XXXX call, I call XXXX XXXX ( after researching that they are the XXXX division behind the original debt. 
o XXXX XXXX was very friendly and courteous to the extent they could be. 
o XXXX told me that they could not find any link to my name with my address ( or known addresses ) Finally, seeing that I was not getting anywhere where with these companies, I opted to file this claim with the State of Oklahoma. 

On XX/XX/2020, at XXXX XXXX CDT, I decide to view my credit card details, and it appears that a company called XXXX XXXX XXXX is now listed as the creditor. 

On XX/XX/2020, throughout the day, I spoke to XXXX  and I spoke to XXXX ( XXXX XXXX ) where I got nowhere with either company. Each company asked me to get the information from the other company, but neither company could provide any detail supporting the debt that was reported. 

I need help getting this cleared, or getting to the bottom of this. 

Respectfully,

Company response to consumer: Closed with explanation