Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: GA
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:
Federal Law states that every negative account must be removed from your credit report if you do not receive a written notice. 
623 ( a ) ( 7 ) 15 USC 1681s - 2 This is a federal law violation for the following accounts below : These accounts are inaccurate and or fraudulent : CFPB had a lawsuit against XXXX XXXX XXXX. XXXX is reporting false and damaging information on my credit profile. I have contacted XXXX many of times. I have also contacted XXXX, XXXX, and Equifax about this inaccurate and fraudulent reporting on my credit profile. Its says joint account. I never signed or did a joint account with anyone. This account is fraudulent. 
Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Paid Off : 87 % This account does not belong to me. This is not my account. The account say Joint. 

Collection Account : XXXX XXXX XXXX ( Equifax ) This does not belong to me Medical Account # XXXX Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status Open but in Collections at the same time Filed a Dispute with XXXX for XXXX XXXX # XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Fraudulent XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX I did not give these companies credit inquiry authorization and since so much is done online these days, without a doubt I never gave consent, signed, or gave permission to run my credit : Fraudulent Inquiries XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX New ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXXXXXX  XXXX, New ( XXXX ) XXXX XXXX GA, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX New ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing XXXX Inquiry XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX ( from XXXX ) XXXX Mon, XX/XX/XXXX, XXXX PM to XXXX XXXX XXXX POLICE DEPARTMENT has XXXX your Identity Fraud Incident submission. 

XXXX Notes : ACCEPTED : XXXX. You XXXX pick up a copy of your police report at XXXX XXXX XXXX, XXXX XXXX, XXXX, Monday - Friday, XXXX - XXXX, XXXX. Have a great day. 

Case Number : ( XXXX ) Reference Number : ( XXXX ) If you should need to contact our agency directly concerning this Identity Fraud Incident, please refer to the following Incident Submission # : XXXX. 


I also filed a FTC report, the number is # XXXX

Company response to consumer: Closed with explanation