Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never taken a loan out with this payday company and I believe this is a scam. Although you do not have these type of selections in the previous prompts, I'm here to say I did not apply for this loan from this company that they claim I did, I have never received any information on this company up until checking my email inbox today, they have threatened court time, jail time, relinquishing my wages, ruining my credit, automatic withdrawals. They've provide me with no information beside what they claim I owe. They have nothing reporting my name or tying my name to this payday loan only my email. I did not receive such loan and I'm not XXXX enough to click their links to pay this back and I do not intend to. Please let me know what we can do from here, and see what else I can do to get this harassment out of the way and no longer flooding my inbox. Below I have provided the one and only email thread from this customer. If there is further information needed. please feel free reply to my email address and I can provide whatever else needed. Thank you! 

From : XXXX XXXX XXXX Date : Mon, XX/XX/2022 at XXXX XXXX   Subject : XXXX : Account Due Notice # XXXX To : XXXX To whom it may concern, I would like to report the below payday loan scam. The company has been threatening me and harassing me. I can only imagine how many elderly people or younger teens who are new to the finance world they have scammed. Please let me know if there is anything more I can do. I appreciate your guidance and help in advance. 

Thank you! 

Sincerely, XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/2022 at XXXX XXXX  Subject : Re : Account Due Notice # XXXX To : XXXX XXXX XXXX So, XXXX XXXX. I'll be reporting you to the XXXX  and you can stop emailing me, immediately. I strongly suggest it. 

Thanks again. 

On Mon, XX/XX/2022 at XXXX XXXX  XXXX XXXX XXXX wrote : Dear Debtor : We are talking about the payday loan which you have taken out from XXXX XXXX. 

Loan Amount : {$300.00} Total Outstanding Balance ( Due Amount ) : {$550.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. 

One Time Settlement Offer : {$150.00} ( Can be paid today ). 

Or the Entire balance of {$750.00} within the next 30 days. 

Or Payment Arrangement of {$100.00} Every Two Weeks starting Today until the balance is paid in full. 

The loan you have taken out has become delinquent and the company has full rights to press charges on you. 

Details are below. 

Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections.

2 : Your Employer Will Be Informed.

3 : Credit Bureaus Will Be Notified So That It Could Be Reported To Your Credit.

4 : References Will Be Informed.

5 : A Day In Court.

6 : Garnishment Of Your Pay Check. 

Let us know whether you opt for onetime settlement or payment arrangement for the whole amount so that the account can be updated. 

Since this loan account is very past due so we would appreciate if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. 

( YOU HAVE 24 HOURS FROM NOW ) For any queries or concern, you can contact us.

Company response to consumer: Closed with explanation