Consumer complaint received 2019-08-26
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:
A car lease was purchased in my name sometime in XXXX with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX  Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX   Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the Equifax Security Breach. The company stated that they needed a police report which I do not have because at the time I went to file one I was told I did not need to do so because I had an official document from the US Government stating that my identity was compromised in a security  breach. XXXX at XXXX XXXX XXXX stated that they can not file a fraud claim without a police report. I was advised that companies can not report inaccurate information on your credit reports as it pertains to charge offs and not current with payments. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$22000.00}. 

I am having the same issue with XXXX XXXX XXXX from a loan/lease in XXXX. A car lease was purchased in my name sometime in XXXX with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM   Security Breach & the Equifax Security Breach. This item is reporting as a negative and  impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00} I am having the same issues with XXXX XXXX  {$10000.00}. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments I am having the same issues with XXXX {$6500.00}. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments I am having the same issues with XXXX XXXX XXXX, XXXX {$730.00}. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments. 

I am having the same issues with XXXX XXXX XXXX XXXX {$5100.00} and someone recently applied for a loan in my name with XXXX. I have fraud alerts set up on all 3 credit reports and bureaus. This cost me points on my Equifax and XXXX Credit Reports. 

Because I am a victim of fraud and alerts are on all 3 credit reports before anyone runs my information no matter what they are to contact me to verify if it is me and if I am the person applying for credit with them. This was not done with XXXX and as a result of this it cost me points and is listed as hard inquiries.

Company response to consumer: Closed with explanation