Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: MS
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 monitor my credit with identity XXXX XXXX monthly. All of my information should reflect the same as being reported by all three companies but it is not. 

XXXX and Equifax have continuously reported 15 accounts under XXXX XXXXXXXX with the payment status as late 120 days. On all 15 accounts it also states the past due amount as XXXX. 
There is no way possible the past due amounts are XXXX but the payment status has late 120 days. 

The dates the 15 accounts were opened are incorrect and does not give any information on when the accounts were closed. Several of these accounts are beyond the 7 year and 10 year reporting mark as well. This information on Equifax and XXXX reports should reflect XXXX 's credit report but it isn't. 

XXXX XXXX XXXX XXXX is incorrect on all three of my credit reports ( XXXX, Equifax and XXXX ). The account type is incorrect on my Equifax report. The account status for this account is not the same as XXXX and Equifax. The date thee account was opened is incorrect under XXXX. The number of tems is incorrect under Equifax. The payment status in correct for XXXX, XXXX and Equifax. the comment section is incorrect under XXXX, XXXX and Equifax. 

XXXX XXXX XXXX XXXX is incorrect on XXXX and Equifax. These accounts should reflect the same way they are on my XXXX account. Every account detail is incorrect on the 3 accounts showing up on my XXXX and Equifax credit report. 
XXXXXXXX XXXX XXXX  has unknow by every single month on my credit karma report as well. if information is unknown it is impossible to validate or verify. This information on Equifax and XXXX reports should reflect XXXX 's credit report but it isn't. 

I have also submitted a copy of my license and social security card to XXXX and Equifax to remove my name being displayed as XXXX XXXX and they have refused to change this. 

I have sent in documentation to XXXX to show current address is not XXXX XXXX XXXX XXXX XXXX, MS. XXXX and they have refused to remove the inaccurate information. 

I have also disputed the inquires on my XXXX report and Equifax report. I was told over the phone by both company employees they do not dispute inquiries. These inquiries were done fraudently in my name and they refused to remove them. i have fraud alert on all three of my credit reports and i have had to freeze all three of my credit reports as well. 

This is affecting my health daily with stress, I am not able to qualify for jobs due to the derogatory and inaccurate reports nor am I able to purchase a place to live. it has become very stressful to deal with and I have tried everything with these companies. 

The customer service representatives for Equifax and XXXX are horrible with dealing with the public. They are very degrading when speaking with customers on the phone. They make you feel as if they hate you even called the company to be assisted. They are very rude and unprofessional and need more training with the public and handling people with care. 

I have requested XXXX, Equifax and XXXX to validate these accounts and they have refused to do so. I have asked for copies of the original agreement signed by me and these companies to reflect all of the information being reported by them, and they have refused to do so. I have sent in certified mail to verify who I am along with my disputes and they have not provided me with any of the documentation I have requested

Company response to consumer: Closed with explanation