Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is a subsidiary of XXXX XXXX.I sent XXXX a copy of the findings of The CFPB but its still on my credit report.Th account is fraudulent. 
Direct Dispute In partnership with Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
You may have been a victim of business identity fraud. 

XXXX  To XXXX XX/XX/XXXX at XXXX PM XXXX XXXX You may have been a victim of fraud. 

XX/XX/XXXX Hello, Thank you for your complaint XXXX about XXXX  XXXX, XXXX XXXX XXXX, XXXX 
We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud by a person or company pretending to be the company in your complaint. 

What do I do? 
If you have been the victim of a scam, you are not alone. There are resources available to help you. 
The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. 

Summary of your complaint Complaint number : XXXX Date submitted to CFPB  : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Payday loan, title loan, or personal loan Issue : Struggling to pay your loan What else can I do? 
You can also use the following government agency websites to get information on fraud, safety, and identify theft : usa.gov/topics/consumer/scams-fraud.shtml fbi.gov/scams-safety consumer.ftc.gov Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ImportantIf you submitted this complaint on behalf of someone else or you are the co-owner or authorized user on the account and you did not submit the complaint yourself you will need to contact us by calling ( XXXX ) XXXX for questions and status updates. Only the primary owner of the account will receive acc On Thu, XX/XX/XXXX, XXXX wrote : Subject : Final Legal Notice Before Legal Proceedings To : XXXX Date : XXXX, XX/XX/XXXX, XXXX AM Hello, Find Your Warrant Copy : XXXX  - XXXX - XXXX will be going to release on XXXX. This is last chance for you This Legal Proceeding will be issued on your Docket Number XXXX - XXXX - XXXX with one of XXXX XXXX XXXX Company to let you know that after making calls to you on your phone number we were not able to get hold of you. So the account 's department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXX - XXXX - XXXX Amount Outstanding : {$980.00} We have sent you this warning notification about legal proceedings of XX/XX/XXXX, but you failed to respond on time its high time if you were unable to meet in next 24 HOURS we would register this case in court. Consider this as a final warning. And we will be Email/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will we garnished. Do revert if you want to get rid of these legal consequences and make payment arrangement today or else we would be proceeding legally against you, and this notification will also send to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so, you must take immediate action. You can email us back to get the payment mode.XXXX XXXX XXXX  XXXX We will be forced to go ahead legally against you and once it proceeds in the Court House , the creditor has entire rights to tell your employer and your references about this issue and the lawsuit will be the next step which will be amounting to {$8400.00} and will be levied entirely upon you and that would be excluding your attorney charges. If you take care of this out of court, then we will release the clearance certificate from them, and we will make sure that no one will contact you in the future. Please let us know your intention by today itself so we can hold the case or else we will send the paperwork to your local county sheriff department and you will we served by court summons at your doorstep. We informed you, and we have more than 17 kinds of scientific proof against you to prove that you are guilty and committed the following frauds. 1. Violation of Federal Banking Regulation. 2. Collateral Check Fraud 3. Theft by Deception 4. Electronic Fund Transfer Fraud. Note : This notice provided to you for XXXX XXXX XXXX and its parent company, and their respective family of businesses including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all their respective subsidiaries and affiliates, ( after this ... 
takes effect collectively called the XXXX XXXX Related Companies, we, our, or us ). The XXXX XXXX Related Companies include, but are not limited to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that work under the trade names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX locations. You or You're means you as a participant in or as a user of the products and services offered by a XXXX XXXX Related Company. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY REFLECT ON YOUR CREDIT REPORT. TERMS AND CONDITIONS, YOU AGREED. By electronically signing this Loan Agreement by clicking the I AGREE button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. Note : To make the payment you need to contact our email  addressXXXX XXXX   XXXX XXXX We are informing you that if we do not receive your payment then, unfortunately, we must go ahead further with the legal action against your name Note : - If you ignored this email and failed to take care of this debt than all your bank accounts will we seized through Major Credited Bureau within Seven Business Days that's why your co-operation will we appreciated. XXXX XXXX ( Accounts Dept. ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, GA XXXX powered by XXXX. Free mail merge and email marketing s 2.XXXX reporting fraudulent XXXX XXXX account.Derogatory marks View all accounts COLLECTIONS XXXX    XXXX Opened XX/XX/XXXX - {$1100.00} Original creditor : XXXX XXXX XXXXXXXX Overview You've paid off 0 % of your collection amount. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/XXXX ( 6 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX   XXXX see an error? 
CFPB To XXXX XX/XX/XXXX at XXXX XXXX   CFPB Header You may have been a victim of fraud. 

XX/XX/XXXX Hello, Thank you for your complaint XXXX about XXXX XXXX.. 
We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 

What do I do? 
You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. 
The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXXXXXX XXXX XXXX XXXX. 

Summary of your complaint

Company response to consumer: Closed with explanation