Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: NJ
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:
Hello I contacted all the creditors about helping me resolve who used my credit. They say I must pay it or my credit will be ruined. I said I just came to this country to start over and I don't know who could've used my credit. Im pregnant and was in a abusive relationship. I don't know who do go to. The credit bureau said that I must contact the creditors and that I must pay I can't dispute. The creditors ignore me. I need these inquiries removed and proof who used my credit. I need the collections and this credit card someone is using in my name removed. I need to buy a home a bright future for my family. Please help XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Clothing store - non specific Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Specialty clothing store Contact Information XXXX XXXX XXXX XXXX, OH XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry DateXX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry DateXX/XX/XXXX Removal DateXX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Closed XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated XX/XX/XXXX Original Balance {$2000.00} Monthly Payment - Past Due Amount {$2000.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, MS XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX FP XXXX FP XXXX FP XXXX FP XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX XXXX XXXX Account # XXXX Original Creditor XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Legally paid in full for less than the full balance Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments Election of remedy - reported by subscriber CONTACT INFORMATION XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX FP XXXX FP XXXX FP Apr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 30 days two or three times Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$270.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported. 
CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XX/XX/XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX ACCOUNT DETAILS Account Name XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$9.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment {$9.00} Past Due Amount - Highest Balance {$860.00} Terms Revolving Responsibility Individual Your Statement - Comments - CREDIT USAGE 2 % Low Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK

Company response to consumer: Closed with explanation