Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: GA
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:
In the year XXXX, I was a victim of identity theft and identity fraud. I reported this to my local law enforcement agency. 
The contract that created the account is full of fraudulent documents and has been reported as identity fraud. I have been trying to dispute this account with the furnisher since XX/XX/XXXX. XXXX XXXX XXXX XXXX refuses to comply with my disputes and I am in the process of taking legal action. 

So after that, I started disputing this account directly with Equifax on XX/XX/XXXX. I disputed this account nine ( 9 ) times and Equifax always responds with This account has been Verified as Accurate and refuses to send me a copy of my entire credit file. 

On this account there is on-time payment history, late payment history and charge- offs being reported at the same time by Equifax. But the Transaction History Report sent to me directly from XXXX XXXX XXXX XXXX who is the furnisher, show the same payment history. The account doesnt show ANY payments have been made. And clearly not any payments were made by me, or to me. 

Equifax is reporting to XXXX XXXX that the account has made 100 % of payments on time but also has 100 % left to pay on the account. That doesnt make sense to me. 
they are reporting entirely different information to XXXX. 


Equifax is reporting to an Open Date of XX/XX/XXXX but the contract has date documented on XX/XX/XXXX. How is this possible? 

Equifax is reporting a balance on a charged off account. How is there a balance if the account has been charged off by the alleged creditor? How is there on-time payments being reported AFTER the account has been reported as charged off? 

Equifax is reporting a Last Reporting Date that doesnt match what the furnisher is reporting to other bureaus. Why is this inconsistent information allowed on my consumer report? 

Equifax is reporting a Last Active Date that is different than what the furnisher is reporting to other bureaus. If this is the same account, how is it active on different dates? 

Equifax is reporting a Last Payment Date that doesnt match what the furnisher is reporting to other bureaus. If the alleged creditor is showing payment history that shows NO payments, how is Equifax reporting ANY payment date? 

Has Equifax received ANY documents from XXXX XXXX XXXX XXXX that shows the information is true and accurate? 


Equifax should see that something is wrong with this account based on all the inconsistencies. 

Equifax seems to be automatically verifying disputed information in consumer reports as accurate without conducting reasonable investigations or following reasonable procedures to verify the accounts. 
The attachments will back up my claims. 

If a CRA cant verify an account that has been disputed as identity fraud, they are supposed to remove the account within 4 days. 

This account is preventing me from buying a home and stopping me from my fair chance at receiving credit from creditors. 

15 U.S.C 1681e ( b ) states, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax has failed to do that and it is causing damage in my life.

Company response to consumer: Closed with explanation