Consumer complaint received 2017-07-08
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:
Complaint filed with CFPB X/X/2017 I am asking for assistance in removing collection reports listed on my credit report with XXXX, Equifax and XXXX XXXX. I filed a dispute with the three credit bureaus ; XXXX, XXXX, and Equifax in or between the months of XXXX, 2017 and XXXX 2017 due to fraud accounts of which appear as negative information on my credit reports. The credit cards are from ( 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Another credit card is from ( 2 ) XXXX XXXX for XXXX XXXX. I submitted a request for validation of debt and dispute to ; XXXX XXXX and to the collection agencies listed below. I was informed that XXXX XXXX sold these accounts to the following collection agencies ; ( 1 ) XXXX XXXX XXXX, LLC, ( 2 ) XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX. ( 1 ) XXXX completed their investigation which resulted in XXXX removing ( XXXX XXXX ), however failed to remove the collections tide to ( XXXX XXXX ) from my credit report. XXXX XXXX for XXXX XXXX completed their investigation and removed the negative information from all three credit reports. ( 2 ) Equifax completed their investigation which resulted in Equifax removing ( XXXX XXXX ),  however failed to remove the collection reports tide to ( XXXX XXXX ) from my credit report. ( 3 ) XXXX completed their investigation which resulted in XXXX  removing all ( XXXX XXXX  ), and the collection reports tide to ( XXXX XXXX ) from my credit report. ( 4 ) XXXX XXXX XXXX ; I received mail confirmation from them noting they do not have any accounts in my name. My complaint is with XXXX and Equifax because the negative information ( collection reports tide to XXXX XXXX ) discussed above continue to appear on my XXXX and Equifax credit reports ; after I filed a second dispute with XXXX and Equifax. I have also made several phone calls to inform them and was told these items will be cleared from my credit report ; these accounts were not mine before XXXX XXXX sold them in the first place. I also informed them of the results from XXXX investigation. I have asked them to please remove collections discussed above. <P/>( 1 ) XXXX XXXX / ( 2 ) XXXX XXXX XXXX, XXXX/ ( 3 ) XXXX XXXX XXXX/ ( 4 ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX Help Resolution Summary We have completed verification of the investigation or changes that you requested regarding your XXXX Personal Credit Report. Please review these results carefully. The results are listed below. If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our investigation. If an item says, " Deleted '' we have removed it from your credit report and taken steps so it does not reappear. If an item says, " Verified, no change '' it means the company that reports the information to us has certified it is reported accurately. If an item says " New Information Below '' you should look at the item carefully to see whether you believe it is now accurate. Sometimes the new information reflects only a change to a balance or date, because the company that reports that item to us has certified that the rest of the information is accurate. If our investigation has not resolved your dispute, you have several options : You may submit another request for investigation by clicking " NEW INVESTIGATION '' above and indicating that you are filing a repeat dispute. By using this channel, you will be prompted to add additional information you feel is relevant to your dispute and you may upload supporting documentation.
You may print and complete a Request for Investigation form and return it, along with supporting documentation. You may add a 100-word statement to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to XXXXXXXXXX including this information in every credit report we issue about you. You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly. You may file a complaint about XXXXXXXXXX, or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. Investigation Results/ Current File File NumberXXXX Report DateXX/XX/2017 Dispute Open DateXX/XX/2017 Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX , VA XXXX Completion DateXX/XX/2017 Account information ITEM DESCRIPTION RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX # XXXX VERIFIED AS ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX # XXXX VERIFIED AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX # XXXX VERIFIED AS ACCURATE AND UPDATED Thank You For Submitting Your Dispute / Equifax Dispute Confirmation # : XXXX Dispute Summary Account XXXX  XXXX Fraudulent charges were made on my account. Account XXXX XXXX XXXX XXXX Fraudulent charges were made on my account. Account XXXX XXXX XXXX XXXX Fraudulent charges were made on my account. Account XXXX XXXX XXXX & XXXX I am no longer liable for this account. Account XXXX XXXX XXXX Fraudulent charges were made on my account. Next Steps Your dispute verification process may take up to 30 days and we will keep you informed via email on the status of your dispute. <P/>dispute, the documents may be submitted to one or more companies which are subject to your dispute. Check Status

Company response to consumer: Closed with explanation