Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
THE COMPLAINT IS AGAINST XXXX XXXX XXXX i.e A CREDIT CARD ISSUED TO ME. A FORMER FRIEND MADE FRAUDULENT PAYMENTS ON MY ACCOUNT THEN USED THE CARD TOTALING ROUGHLY {$3600.00}. SHE MADE THESE PAYMENTS USING A CHECK I HAD IN MY WALLET USED DISCOVERS PAY BY CHECK OVER THE PHONE A AUTOMATED SYSTEM AT XXXX THAT REQUIRES YOU TO ENTER THE CHECKS ROUTING NUMBER AND ACCOUNT NUMBER FOUND AT THE BOTTOM PORTION OF THE CHECK. MY BOSS WHO ISSUED ME THE CHECK CALLED ME AND SAID THAT UNAUTHORIZED FUNDS WERE TRANSFERRED FROM HIS BUSINESS CHECKING ACCOUNT BEING APPLIED TO MY ACCOUNT WITH XXXX. UPON LEARNING OF THE SITUATION XXXX XXXX CANCELED THE XXXX CARDS I HAD AND REISSUED ME NEW CARDS IMMEDIATELY. UPON RECEIVING MY NEW CARD WITH A CREDIT LIMIT OF {$1500.00} I ROUGHLY USED {$700.00} OF MY CREDIT LINE AND THEN ALL OF A SUDDEN THEY CUT OFF MY USE OF THE CARDS. UPON CONTACTING XXXX THEY SAID THAT THEY BELIEVE ME TO BE RESPONSIBLE FOR THE PRIOR FRAUDULENT PAYMENTS. I EXPLAINED TO THEM THAT THE GIRL I WAS LIVING WITH AT THE TIME AND HER ASSOCIATES WERE RESPONSIBLE FOR THE FRAUD PAYMENTS. I EXPLAINED TO THEM THAT IT WOULD A PRETTY STUPID THING TO DO KNOWING THAT THOSE PAYMENTS COULD BE TRACED BACK TO MY CARD. XXXX REQUESTED THAT I FILL OUT THERE FRAUD AFFIDAVIT BUT I DECLINED AT FIRST BECAUSE THE PERPATRATOR WAS A SINGLE MOTHER WITH A SUBSTANCE ABUSE PROBLEM AND HAD A XXXX YEAR OLD DAUGHTER, AND I DIDNT WANT HER TO GO TO JAIL BECAUSE OF HER DAUGHTER NOT HAVING ANYONE TO TAKE CARE OF HER, IT DIDNT FEEL RIGHT IN MY XXXX TO POSSIBLY HAVE THE DAUGHTER BECOME A WARD OF THE STATE OR BE PUT INTO XXXX XXXX IF HER MOM BECAME INCARCERATED DUE TO THE FRAUD PAYMENTS MADE. THE XXXX INVESTIGATOR THEN THREATENED ME THAT IF I DIDNT SIGN DISCOVERS FRAUD AFFIDAVIT SHE WOULD HOLD ME LIABEL FOR THE ENTIRE BALANCE OF {$5100.00}, I TOLD HER I WASNT GOING TO SIGN THE AFFIDAVIT, MY HEART WOULD ACHE IF SOMETHING HAPPENED TO THE SINGLE MOM, IT WOULD NOT SIT RIGHT ON MY CONSCIOUS. AFTER A FEW DAYS I THOUGHT PRAYED OVER THE SITUATION AND DECIDED TO SIGN DISCOVERS AFFIDAVIT. I PHONED THE INVESTIGATOR TO MAIL ME THE AFFIDAVIT I 'LL SIGN IT BECAUSE THE REALITY WAS I COULD NOT COVER THE FRAUD CHARGES AND THE XXXX ACCOUNT WOULD ULTIMATELY RUIN MY CREDIT AND SCORE. I FOLLOWED UP A FEW DAYS LATER TO VERIFY WITH THE XXXX INVESTIGATOR IF SHE RECEIVED THE SIGNED AFFIDAVIT HER RESPONSE WAS THAT SHE IS STILL GOING TO HOLD ME LIABLE FOR THE ENTIRE {$5100.00} BALANCE BECAUSE OF THE FACT THAT THE GIRL WAS MY ROOMMATE AND HOW COULD I NOT KNOW WHAT WAS HAPPENING WITH THE XXXX XXXX CARDS, I RESPONED BY SAYING THAT I DONT USUALLY USE MY CREDIT CARD AND IT WOULD HAVE BEEN EASY ENOUGH FOR THE GIRL TO TAKE XXXX OF THE CARDS OUT OF MY WALLET WHILE I WAS SLEEPING OR SHOWERING AND JUST AS EASILY PUT THE CARD BACK IN MY WALLET WHILE I WAS N'T PRESENT. SHE DIAGREED AND STATED I AM BEING HELD FOR THE ENTIRE BALANCE OF {$5100.00} WHICH WORKS OUT TO BE ROUGHLY {$3600.00} OVER MY CREDIT LINE OF {$1500.00}. I STATED I WOULD BE FILING A FEDERAL IDENTITY THEFT AFFIDAVIT REGARDING THE MATTER, SHE SAID IT DOESNT MATTER WHAT YOU DO THE ACCOUNT WILL STAND AS IS. I FILLED OUT THE FTC AFFIDAVIT TRANSUNION AND EXPERIAN HAVE ALREADY DELETED THE ACCOUNT FROM MY CREDIT REPORT EQUIFAX HAS YET TO DO SO. I FORWARED THE FTC AFFIDAVIT TO ALL XXXX CREDIT BUREAUS WHICH INCLUDED THE LAW ENFORCEMENT PORTION FILLED OUT AT THE XXXX POLICE DEPT WITH VERIFICATION LETTER FROM THEM STATING I FILED A POLICE REPORT AND THE REPORT NUMBER AND INCLUDED IT IN THE FTC AFFIDAVIT. EQUIFAX HAS YET TO DELETE OR BLOCK THE XXXX ACOUNT FROM MY CREDIT REPORT.TODAY XXXX/XXXX/16 I SPOKE WITH XXXX AGAIN REGARDING THIS ISSUE, THEY ARE NOT GOING TO DO ANYTHING AND FURTHER STATED THAT THEY WILL TRY TO PUT THE ACCOUNT BACK ON MY CREDIT REPORTS. THERE REASONING BEING THAT THEY CANT DECIPHER IF I MADE THE FRAUD PMTS OR THE FORMER FRIEND.

Company response to consumer: Closed with explanation