Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: NC
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:
I am still in the same place I was on XX/XX/XXXX when I filed the first complaint!

Complaint ID XXXX Equifax Complaint ID XXXX   XXXX XXXX XXXX  XX/XX/XXXX I called Equifax again because this account is still reporting and preventing me from getting housing.

I was transferred to the Fraud Team as the account was confirmed and still reporting and reconfirmed again as of XX/XX/XXXX by XXXX XXXX XXXX as valid and will not be removed.

I was then informed to get a police report to block the account from my report. Im not sure what Im supposed to allege in said police report but that is my only option and what do I say?

There is an obligation to consumer and it's not being met.

Id like action to be taken against both Equifax and XXXX XXXX XXXX immediately.

If this is not the avenue and I need to obtain a lawyer then let me know because Ive been XXXX for months and both companies have responded to the CFPB with untruthful statuses and responses and I am still being impacted by an error on both parts.

This account on my credit report has caused me to be denied housing ever sinceXX/XX/XXXX. I've paid application fees only to bed denied.

I contacted the agency who is listed : XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} Opened XX/XX/XXXX ( 8 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX I disputed the information repeatedly through Equifax 's process as XXXX XXXX  advised in the CFPB report ID noted above, and Equifax continues to report that they are confirming the debt as valid when it's not.

But then Equifax in their response to the ID noted above says the account is not on my report, but it still is.

Both untruthful reports back to the CFPB by both parties.

Additional history : In XX/XX/XXXX I called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me. I have a recording of the call. I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have. I have owned my house since XX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either. I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.

Company response to consumer: Closed with non-monetary relief