Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: OH
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:
These accounts are listed on my report that has been reported as identity theft I also attached the identity theft report filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   THESE ARE ACCOUNTS ARE STILL LISTED ON MY REPORT AFTER I DISPUTED AND ALERTED CREDIT BUREAUS OF SUCH REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT WAS DELETED FROM MY XXXX CREDIT REPORT FOR BEING UNABLE TO VERIFY AND MULTIPLE VIOLATION OF THE FCRA BUT THE ACCOUNT IS STILL BEING REPORTED AS ACCURATE FROM XXXX AND EQUIFAX. HOW CAN THA BE POSSIBLE IF INVESTIGATED PROPERLY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX REPORTING INACCURATE INFO TO MAJOR CREDIT BUREAUS VIOLATION 1 REPORTING A MONTHLY PAYMENT ON A CHARGE OF ACCOUNT VIOLATION 2 REPORTING A CHARGE OF WITH OUT A NEGATIVE PAYMENT HISTORY VIOLATION 3 MULTIPLE LAST PAYMENT DATES REPORTED Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX REPRORTING A PAID ACCOUNT AS A CHARGE OFF MULTIPLE REPORT DATES Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$64.00} {$64.00} {$64.00} No. of Months ( terms ) : 0 0 0 High Credit : {$380.00} {$0.00} {$64.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$64.00} {$64.00} {$64.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief