Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a notification a couple of weeks ago that a credit card account from XXXX XXXX, XXXX was reporting on my credit report, so I pulled my report and found that there in fact was an account reporting and it was showing as a authorized user. I have never been an authorized user on any account that has a balance like that. The only account that i am an authorized user on is my daughters XXXX home depot account. This is showing an XXXX Balance. I disputed the information with Equifax and they came back saying that the account was verified to be mine. They also removed the authorized user information and it is showing as my account. I called XXXX to find out what was going on, I gave them all of my personal information " SSN, DOB and All '' and they said that they couldn't find an account on me. I also gave them the last 4 of the account number that is showing on my report because that is all that shows and they still couldn't find anything. I was told that i would receive a letter in my email stating that i do not have an account with XXXX and that the information is being reported incorrectly. Well, i never received that letter so i contacted them on XX/XX/XXXX  and couldn't get any one to help me, I asked for a supervisor and was told that a supervisor would not speak with me, i called again on XX/XX/XXXX  and was given the same information, i was told they couldn't find any information on me and i would need to send a letter with all of my personal information, including my drivers license to their mailing address and they would investigate and it would take up to 120 days. I am not mailing my personal information to a company that i do not deal with, especially my drivers license in the same envelope as my ssn, i again asked for a supervisor to handle this another way and was told that the supervisor was not willing to speak with me on this matter. This is not fair at all, if they are not showing an account for me with my personal information then how are they able to report something on my credit report. I am trying to purchase a home and this has really affected my purchase since it dropped my score by well over XXXX and some points. I will be contacting a lawyer to sue both, XXXX cards and Equifax for wrongfully reporting information on my report. I also have a fraud alert on my report which has been on there for months and i was never informed of an account being opened in my name like they are supposed to do. I need this information removed from my credit report. XXXX also sent me a letter in the mail today XX/XX/XXXX  stating that i would need to contact the primary account holder to be removed from the account. When i called and talked to them today, they told me the same thing. I do not know who the primary account holder is to contact and have my self removed or why i was ever put on the account in the first place.

Company response to consumer: Closed with explanation