Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: MD
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:
For the past year or longer, I have been informing Equifax that the following three accounts listed below are fraud. I have submitted complaints and nothing has been done to remove this fraudulent information from my file. The files were linked to fraudulent addresses that have been since removed from my file. Based on the FCRA I have a right to have this information removed. 

XXXX XXXX XX/XX/XXXX {$580.00} XX/XX/XXXX {$580.00} CHARGE-OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD-XXXX ( XXXX ) XXXX Account Number : Status : CHARGE-OFF Account Owner : Individual Account. High Credit : Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$580.00} Date Reported : XX/XX/XXXX Amount Past Due : {$580.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 25 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress 81-Month Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX NR NR NR NR NR NR NR CO CO CO CO CO XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR Back to TopBack to Top Other Accounts These are all accounts that do not fall into the other categories and can include 30-day accounts such as  XXXX XXXX. 

Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1800.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, MN-XXXX ( XXXX ) XXXX Account Number : Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$1800.00} Type of Account : Open Credit Limit : Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$1800.00} Date Reported : XX/XX/XXXX Amount Past Due : {$1800.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 5 Creditor Classification : Financial Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Collection account 81-Month Payment History No 81-Month Payment Data available for display. 
XXXX XXXX XXXX XX/XX/XXXX {$190.00} XX/XX/XXXX {$190.00} COLLECTION ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA-XXXX Account Number : Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$190.00} Type of Account : Open Credit Limit : Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$190.00} Date Reported : XX/XX/XXXX Amount Past Due : {$190.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 4 Creditor Classification : Banking Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Collection account 81-Month Payment History No 81-Month Payment Data available for display.

Company response to consumer: Closed with non-monetary relief