Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: NC
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:
This is still an ongoing issue, I disputed the below with CFPB and the results were they would follow up with me. I never received a response via mail from them. Legally they are required to show proof of how they are validating the account. I called the companies for each credit card and they cant even locate the accounts. How are they getting validated? I know the reason why they arent showing it is because there is no proof because they arent mine!! I have battled this for years. Now it appears Equifax has updated my report and said the first date delinquency reported was XX/XX/XXXX!! They can pull reports from previous months and years and SEE this is incorrect!! Driving my score down even further!! I have attached copies of my previous report and most current report. Please notice the refusal to re-investigate by stating I must contact each company. Also, See XXXX XXXX reporting incorrectly with date major delinquency was 1st reported. I pulled my XXXX And XXXX credit report and noticed XXXX XXXX for {$160.00} and XXXX XXXX {$0.00} balance, showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with XXXX stating this is not my account and with XXXX 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called XXXX credit card company and was told 4 times that they could not find an account with my name on it or the account number. I spoke with XXXX she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to XXXX at XXXX she states she cant remove it because XXXX is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do. XXXX XXXX- I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with XXXX as well that this is not my account. This last dispute on XX/XX/XXXX, it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( XXXX or XXXX ) will not provide proof and I have did all I can do. I also advised XXXX the following Inquiries are fraudulent /not authorized by me : XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX XXXX- XX/XX/XXXX I advised XXXX the following iquiries are fraudulent/not authorized by me : XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I need this to be corrected and removed from my credit reports.

Company response to consumer: Closed with non-monetary relief