Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX I decided that I wanted to start building credit so I can get a car because I never used my credit before. Learning the importance of credit and trying to see what I needed to do to start credit building, I tried to log into my credit tracking accounts just to learn I didn't have access to it. I tried to reset my password using my email but that was changed too so I called the credit monitoring companies to see what was going on and it was compromised. When I finally was able to log in I seen alot of unauthorized accounts listed on my report and immediately I filed a police report and contacted CFPB. The police tracking number is XXXX. Below I listed the accounts that's unauthorized. 



XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1100.00} {$1100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$0.00} {$1100.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$1100.00} {$1100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Unpaid balance reported as a loss by the XXXX XXXX. 
Consumer disputes- reinvestigation in progress Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$24000.00} {$24000.00} {$24000.00} No. of Months ( terms ) : - - - High Credit : {$24000.00} {$24000.00} {$24000.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55.00} {$55.00} {$55.00} No. of Months ( terms ) : - - - High Credit : {$55.00} {$55.00} {$55.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$280.00} {$280.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$580.00} {$0.00} Credit Limit : {$500.00} {$500.00} Past Due : {$280.00} {$280.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation