Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: GA
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:
In XXXX and in XXXX of XXXX my identity was stolen on two separate occasions. But, I didnt know until they stop paying the bill on the accounts. But when trying to get credit they said that I had late payments and charge offs on my credit report from these accounts below. 

XXXX XXXX  ACCT # XXXX $ XXXX All Credit Reporting Bureaus XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # XXXX $ XXXX All Credit Reporting Bureaus XXXX XXXX ACCT # XXXX $ XXXX All Credit Reporting Bureaus XXXX XXXX ACCT # XXXX {$3900.00} All Credit Reporting Bureaus Because I was victim of identity theft, I contacted all 3 bureaus and collection agencies and provided information informing them that my identity was stolen and advised them I contacted the original creditor but did not get any answers from them and they seem to not care. 

After trying to deal with all 3 credit bureaus and XXXX XXXX, I am making a formal complaint against all 3 bureaus and XXXX XXXX/XXXX  Acct # XXXX because are reporting inaccurate information on my credit report. I am in upset since finding out they have included the information on my credit profile month after month, and that they have failed to provide any follow up to determine whether the information was fraudulent, but they have continued to report without giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable credit rating. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle. Please remove immediately. 

After trying to deal with all 3 credit bureaus and XXXX XXXX, I am making a formal complaint against all 3 bureaus and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCT # XXXX I've written to XXXX requesting debt validation on the account, and have had no response and it is still being reported. Other requests were mailed in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX, My letters stated How could the matter be resolved when I have NEVER received debt validation from XXXX  or debt verification from the bureaus? Im not just going to believe XXXX XXXX just because they say so? I thought the whole purpose of the law was for them to provide proof within 30 days. It's been almost 10 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was to contact the creditor. I did that and they didn't answer. How is it that this account is active as of XXXX of XXXX when there is no payment history of any kind? Please delete After trying to deal with all 3 credit reporting bureaus and XXXX XXXX, I am making a formal complaint against all 3 bureaus and XXXX XXXX ACCT # XXXX because this account is really bad. 1. How can there be a past due on a Chargeoff? It cant 2. How did they report to XXXX  that it is a Chargeoff then report to Equifax that its 120 days late? 3. How are there 2 different date last active listed when the account is supposed to be 100 % accurate? XX/XX/XXXX, XX/XX/XXXX? 4. How is it that there are two different date of last payment listed XX/XX/XXXX, XX/XX/XXXX. XXXX. In the payment history on XXXX how can it be a Chargeoff in XXXX of XXXX XXXX of XXXX on Equifax in XXXX of XXXX it was supposedly 30 days late then from XX/XX/XXXX XXXX of XXXX its 120 days late? What happened to XXXX, 180 days late then Chargeoff? But when I looked on Equifax for XXXX XXXX it said that I was paying as agreed. Remember this is a Charged off account. Please delete for inaccurate information being reported on my credit report. 



After trying to deal with all 3 credit bureaus and XXXX XXXX, I am making a formal complaint against all 3 bureaus and XXXX XXXX ACCT # XXXX because they are reporting a Collection/Chargeoff on my credit report is in error. At this time, I can not get a loan and this is affecting my life and my credit rating. My credit is being affected very badly. But when I started monitoring my credit report I noticed that there was a Chargeoff in XXXX of XXXX and it also said that I paid them as agreed in XXXX of XXXX? How could that be if It was charged off in XX/XX/XXXX? I also discovered that this account had 3 different date last active of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had to look it up on the internet and found out that this tactic is what they call an account that is being re-aged. My credit report is supposed to be 100 % accurate and its not. Ive asked for this account to be removed but they did not do anything. Please delete this account is in error. 

I will attach evidence that line up with what I said.

Company response to consumer: Closed with explanation