Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I FILED A COMPLAINT WITH THE CREDIT BUREAUS AND XXXX  WITH NO RESULTS. XXXX SENT ME A RESPOSE SAID IT WAS MY ACCOUNT. I THEN MADE COMPLAINT TO YOU CFPB ON XX/XX/XXXX AND PROVIDED DOCUMENTATION. XXXX  RESPONDED ON YOUR WEBSITE ACKNOWGING THEY WERE INCORRECT, THAT IS NOT MY ACCOUNT AND PROMISED TO HAVE THE BUREAUS REMOVE THE ACCOUNT FROM MY FILE. WELL EQUIFAX SENT ME A LETTER ON XX/XX/XXXX SAYING IT IS MY FILE BUT IT IS NOT. IT HAS BEEN MORE THAN 30 DAYS, XXXX  PROMISED TO REMOVE THE ACCOUNT BECAUSE ITS NOT MINE, BUT EQUIFAX IS REFUSING TO DO SO. HERE IS XXXX  MESSAGE TO YOU.. 
Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF 1ST DELIQUENCY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX-EQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. XXXX  REPLIED ON THE WEB PORTAL ALSO. THEY SAID : Company responded STATUSCompany responded on XXXXRESPONSE TYPEClosed with explanation Company 's Response XX/XX/XXXX This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation, we are replying with the following information : XXXX XXXX does not believe that we have violated any laws. On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed. On XX/XX/XXXX, we received your credit bureau dispute notification. The account was placed in a disputed status and collection activity was suspended. On XX/XX/XXXX, we mailed you the documents obtained from XXXX XXXX validating the balance that they state is owed again. Please note that the validation information we have provided you is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to validation of debt. In response to your complaint, we have closed this account in our office and returned it to XXXX. XXXX XXXX will request that our information for this account be removed from the credit bureaus. If you have any further inquiries regarding this matter, please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Consumer Affairs Advocate at XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation