Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: MA
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:
I believe this may have been influenced by my submission to The Office Of Congressional Ethics regarding Congressman XXXX XXXX, representing XXXX XXXX, Massachusetts. 

XXXX Credit Card told me via Telephone ( XXXX ) and Letter via U.S.P.S. that the XXXX XXXX  Dispute ( Dispute Started XXXX, Product Purchased XXXX ) was resolved in my favor, and by Telephone, not U.S.P.S., that XXXX  Credit Card Account with the Dispute Resolved In My Favor with XXXX  XXXX  was to be CLOSED ( at my request ), with a XXXX balance ( no other posted transactions ). 
XXXX Customer Service told me XXXX XXXX  was notified of the Dispute, but never responded. 
Based on the Documents I submitted, I alleged, and XXXX agreed, that the transaction was posted by perhaps someone/group that using XXXX  XXXX  name, and could be an Online Scam, considering the lack of any response from the purported Seller. 

The XXXX Credit Card Dispute with XXXX  XXXX  keeps changing from Accounts Ending In # XXXX, # XXXX, # XXXX, etc., and perhaps with other Account Numbers some with and some without my authorization. 
I think XXXX is ROLLING this Resolved Disputes Balance from Account to Account, and not Closing ALL XXXX  Accounts in my name, ALL with a XXXX Balance, authorized by me or not. 

I requested XXXX Customer Service send me Confirmation that the only XXXX Credit Card Account I had, and containing the XXXX  Creations Resolved Dispute In my Favor was Closed, and XXXX  just sent numerous of Accounts in my name showing XXXX Balance, not that they were Closed as was Discussed and Agreed upon. 

I had some XXXX  Credit Cards replaced with new numbers due to stolen or lost, but the Dispute with XXXX  XXXX  was resolved in my favor on a XXXX Credit Card Account that I was told would be CLOSED, yet remains OPEN, with a balance owed, no payment due, with the # 3 Credit Reporting Companies, XXXX, Equifax, and XXXX. 

This Dispute, that XXXX  has Resolved in my favor, started XXXX, with no response from the purported seller, remains OPEN on an Account that I requested to be closed, and XXXX agreed, yet is listed as an Active, Open Account, with an Unresolved Dispute, on my Credit Reports with XXXX, Equifax, and XXXX. 

This Dispute has been OPEN for 98-days. 

XXXX CREDIT CARD FRAUD XXXX, XXXX, Equifax, ALL REPORT THIS RESOLVED DISPUTE ACCOUNT AS AN OPEN ACCOUNT, AND WITH A BALANCE FOR THIS DISPUTE, NO PAYMENT DUE, although XXXX told me since the dispute was Resolved in my favor and had a XXXX Balance, it would be Closed. 

XXXX, despite they Resolved this Dispute in my Favor, and I requested this only XXXX Credit Card I know I have be closed with its XXXX Balance, refuses to Close it and Update that Closing show that I have NO OPEN XXXX Credit Card Accounts with the # 3 major Credit Reporting Companies. 

Their purpose I speculate is to demand the Waived Promotional Zero A.P.R. at the end of the promotional period, for an enormous amount of interest, for a Dispute ( Resolved ) in my favor on an Account that I requested and XXXX told me was CLOSED. 

THE DISPUTE I bought what 'XXXX  XXXX  advertised as a XXXX  XXXX XXXX  XXXX XXXX. 
It was NOT XXXX, XXXX XXXX? shipped me a used XXXX XXXX XXXX XXXX. 

There were numerous RMAs, most everything with this XXXX looks used, broken, or defective. 

At the time I purchased the XXXX  from XXXX  XXXX, Warranty support was from XXXX XXXX at XXXX XXXX. 

Recently, I receive an email regarding a Warranty issue from someone named XXXX, with a XXXX Phone Number and an Oregon, USA address ( NOT at XXXX XXXX  ), who does not seem to understand XXXX  XXXX  or XXXX  XXXX. 

I get an email from someone else, also NOT at XXXX XXXX ( XXXX ), who wants to talk only via phone. 
In my opinion, XXXX did not want email documentation, but most importantly, I believe these people are scamming me, and that they do not work for XXXX XXXX or XXXX XXXX. 

THIS IS AN ONLINE SCAM! 
XXXX Credit Card said that the XXXX XXXX  XXXX was resolved in my favor. The XXXX Credit Card Account I was told would be CLOSED ( at my request ) with its XXXX balance, and confirmed via U.S.P.S. Mail, Dispute Resolved in my favor and Account Closed, Balance XXXX. 
This is an Online Scam. I never received the confirmation via U.S.P.S. Mail that XXXX send they would send to me. 

I KNOW someone ' is trying to get me to pay {$1300.00} for a used XXXX XXXX XXXX XXXX, so they can send me a Return-RMA for a refund, and say they never received it back. 
XXXX XXXX  RMA 's Tracking always shows 'Delivery Exception, re-routed to an alternate address ( alternate address is never not posted-XXXX  ). 

I purchased it once If really XXXX  XXXX  was the seller, I only need be shipped what I paid for once. 
This is a Scam.

Company response to consumer: Closed with explanation