Consumer complaint received 2017-05-28
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:
The loan account with   XXXX   XXXX   XXXX   does not belong to me it is not my account. This loan account belongs to my ex-husband/signi ficant other. I was never on the loan account.   XXXX   XXXX   from    XXXX   XXXX   XXXX   fraudulently added me to the loan account in  XX/XX/XXXX  - before that I was never on the loan account because I am not a borrower/co-borrower. The account was opened in  XXXX  as a result of a refinance and my name has never been on the loan account until   XXXX   XXXX   added it in  XX/XX/XXXX . This loan account has never been reported on my credit report by the   XXXX   major credit bureaus since   XXXX   when it was opened it has only recently started being reported to the credit bureaus ( and on my credit report ) as of  XX/XX/XXXX  ( yet the credit bureaus now indicate I had this account from   XXXX   to present ). In order to ask questions about the account, my significant other had to add me as an authorized person ; when applying for a loan modification my significant other had to use my income as a household contributor these are just several examples that clearly show I was not on the loan as a borrower/co-borrower. Also prior to    XX/XX/XXXX  correspondence from   XXXX   XXXX   XXXX   was always sent to my significant other ; after  XX/XX/XXXX , for the first time, my name was added to any correspondence from   XXXX   XXXX   XXXX  . At the closing for this loan,   XXXX   XXXX   XXXX   indicated that I could not be on the loan because of my credit - my name was on the original set of loan documents but when it was decided that my credit was not good enough to be on the loan,   XXXX   XXXX   XXXX   then sent over a duplicate set of loan documents but with only my significant others name on them for him to sign my name was not on any of the loan documents. The first set that had my name/signature were to be discarded by   XXXX   XXXX   XXXX   ; the second set only contained the name of my significant other on the loan as the loan is only in his name. I am attaching the documents indicating that my significant other is the only borrower on the loan.
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At the time my name was added to the account, my significant other was applying for a loan modification and   XXXX   XXXX   was the single point of contact. When I submitted my financial information as a household contributor and   XXXX   XXXX   saw that it had increased from prior months, I believe that is when he decided to fraudulently add my name to the loan account. When I discovered this and addressed this issue with   XXXX   XXXX  , he pretended that he would investigate the issue and get back to me I never heard back from him regarding this. In fact, the loan had been transferred to another Loan Servicing agency the very next month.   XXXX   XXXX   XXXX   continues to report and verify that this account belongs to me after several disputes with credit agencies. If you were to follow the paper trail and review the loan documents recorded with the state and/or title company, you will find that my name is not on any of the loan documents and that I did not sign as a borrower/co-borrower. I ask that   XXXX   XXXX   XXXX   do their due diligence and remove this account from my credit and correct this with the credit reporting bureaus as soon as possible as this has caused much pain and suffering with regards to attaining life goals. Please see attached documents to support my complaint.
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Best Regards

Company response to consumer: Closed with explanation