Consumer complaint received 2017-01-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX applied for credit and have been denied because of account due on my credit score. Account`s name was XXXX . I contacted this company and learned that they have an open account on my name with unpaid balance of {$5500.00}. Also I learned that being an owner of grocery store 1 year ago I have been provided by XXXX bank representative a cash register along with processing support in XX/XX/XXXX. According to the processing agreement I obliged to pay $ 150 monthly to XX/XX/XXXX what I promptly executed in timely manner.In XX/XX/XXXX I closed the store and filed dissolution of LLC. Cash register has been safely sent to address provided to me by phone. Merchant bank account was closed because of LLC dissolution. 
I have never met representatives of XXXX neither before nor after the register has been delivered to my store. XXXX representative never warned me of non cancellable obligation of payment for the register. While signing processing agreement XXXX representative has never mentioned the name of the company XXXX. Now I realized that XXXX representative manipulated and concealed the real information to receive her commission. 
Several months later after closing the store I began to receive letters from Collections Company XXXX demanding to pay off the debt with amount up to {$20.00} XXXX. 
I contacted Federal Financial Consumer Protection Bureau and filed a complain. In response I received the official report from the Bureau which stated that XXXX closed account on my name. Nevertheless this account was and is still on my credit score. 
In XX/XX/XXXX I started to clean my credit report, and two of main credit reporting agencies deleted fraudulent account from my report but Equifax still keeps it. I sent around 30-40 letters supported by Police Report, Federal Trade Commission report, CFPB report, but useless. In response Equifax kept the fraudulent account and advised me to contact the " Creditor ''. Finally I managed to contact the alleged Creditor directly as Equifax repeatedly advised ( it was complicated, no one answered my calls, their office in XXXX is secured like a Pentagon, no one is allowed to visit ) and I received suspicious document from XXXX which was titled LEASE. I never signed this document and saw it for the first time. I sent this document to Equifax but never got an explanation why they still keep the account on my report. 
In XX/XX/XXXX I started to call Equifax every month. I have records of phone calls to Equifax Customer Support Fraud Department in which Equifax representatives advised me to improve the Police Report in a certain way in order to delete fraudulent account from my report. After each conversation I went to Police office in XXXX, FL and asked the Police officer to 1 ) add fraudulent account number in narration, 2 ) get signatures of Police Officer 3 ) get original copy of the report, - all these Equifax customer support representatives required to be done in order to delete the fraudulent account. 
Nevertheless after all Equifax concluded that the fraudulent item belongs to me. I find this attitude of Equifax Customer Support humiliating and non-professional. Police Officer XXXX felt himself insulted as well because I came back to him every month explaining that Equifax deems his Police Report NOT VALID. 
On XX/XX/XXXX I received another re-investigation results from Equifax and found new statement there - " XXXX and XXXX are currently not reporting to your report '' - but they never did! This statement means that Equifax finally read the Police Report but they still don`t want to delete XXXX account. Last time I asked them why - " because we send your dispute to XXXX and they report that this account belongs to you '' ... CFPB please help me!

Company response to consumer: Closed with explanation