Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NV
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 AM NOT A AUTHORIZED USER ON THIS ACCOUNT XXXX XXXX XXXX  XXXX Late Last Updated : XX/XX/XXXX Credit Usage You're currently using 164 % of your credit limit. 30 % ( Stay below ) 164 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. Payment Information Payment Status Late 90 Days Past Due Amount {$470.00} Highest Balance {$1700.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements XXXX Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX XXXX  Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 142 % of your credit limit. 30 % ( Stay below ) 142 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements XXXX Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Is everything looking correct? If not, you can report an inaccuracy. Learn how to report this account FAQs Privacy Policy Terms and Conditions I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

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Inactive modal What would be a fair resolution to this issue? 
REMOVE PLEASE What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX XXXX ADDITIONAL COMPANY XXXX SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? 
true ATTEMPTED TO FIX WITH THIS COMPANY? 
Yes ADDITIONAL CREDIT REPORTING COMPANY EQUIFAX SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? 
Yes ATTEMPTED TO FIX WITH THIS COMPANY? 
Yes What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Nevada XXXX United States YOUR DEMOGRAPHIC INFORMATION Age XXXX Household size including total number of adults and children XXXX Combined annual household income {$150000.00} - {$190000.00} Closed STATUS Contact another agency After our review, we found that the best agency to help you with your issue is Federal Reserve Board. If you would like to submit your complaint with Federal Reserve Board, contact them directly at or call.

Company response to consumer: Closed with explanation