Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: VA
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:
This is in regards to account number XXXX. To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX  with the account number of XXXX for two accounts in my Equifax file that is maintained under my Social Security number. 

They are claiming I owe {$320.00} for two accounts to XXXX XXXX which is not true. 

These accounts have been illegally added to my credit report. 

In every occurrence for XXXX XXXX all accounts have been removed in the past because none of these accounts are mine and they have been fraudulently placed on my credit file. 
On XXXX Equifax deleted XXXX XXXX XXXX claiming I owed {$320.00} to XXXX XXXX from my credit report. 
Then on XXXX Equifax deleted a 2nd file from XXXX XXXX XXXX claiming I owed {$320.00} to XXXX XXXX from my credit report. 

XXXX XXXX Solutions was trying to do the same fraudulent act that XXXX XXXX XXXX is trying to do. 
This has been an ongoing issue for years! 
There is no evidence of this debt belonging to me and needs to stop. 
On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX Credit Report. 
XXXX  looked into the investigation and informed me that they removed this account on XXXX XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. 
After their investigation they wrote me on XXXX to inform me that this was deleted from my report. 
Furthermore on XXXX XXXX  also responded to the Consumer Financial Protection Bureau that it had deleted XXXX  XXXX  ( XXXX XXXX ) # XXXX from my XXXX  credit report. 
Equifax also responded to the Consumer Financial Protection Bureau ( Complain ID XXXX XXXX ) on XXXX that it had also deleted XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX that Equifax deleted this from my credit report. 
XXXX  also responded to the Consumer Financial Protection Bureau ( Complaint ID XXXX XXXX ) on XXXX that it had also did not leave the account on my credit report from XXXX  XXXX ( XXXX XXXX ) # XXXX. 
Again, XXXX  stated that that the disputed information no longer appeared on my credit report. 
I also have the XXXX  files attached. 
Now the same company XXXX XXXX account number XXXX trying to illegally add a new creditor XXXX XXXX XXXX to my credit report under a new account number and same amount of {$320.00} but for two accounts. 
At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 
Furthermore, if you look at my report with XXXX  versus my report with XXXX  and Equifax, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation