Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have opened an Identity theft case wth the Federal Trade Commisiong Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ) with all the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Equifax. I have escalated with the Federal Trade Commision and was adviced to open another case with the CFPB to resolve this matter. 

This derogatory account showed up on my credit file on XXXX XXXX for a rental/leasing named XXXX as stated on the credit report. During this time, I was in a rental agreement with another rental/leasing named XXXX from XXXX XXXX, XXXX until XXXX XXXX, XXXX ( lease agreement attached ) and returned the apartment in good standing. Prior to that, I was living at XXXX from XXXX XXXX until XXXX XXXX ( a copy of that lease is also attached ) I wrote to the collection agency XXXX XXXX XXXX requesting validation and received no response ( copy of letters and tracking information also attached ). Also the amount on this account is different from the monthly rent which is stated on the lease agreement attached. 

I have escalated to Equifax the lack of validation by the collection agency multiple times with no success. Every time, they put me in a repetitive process of re-investigating the account to later stating that they verify the account and failing to correct the reporting error of this account. The only verification Equifax has done is verify information which they already have, my name and the amount allege by the collection agency which is inaccurate and false. Following the FCRA, Equifax needs to perform an investigation of this allegation ensuring that it is accurate and complete, and all they did was verify my name, address and amount which was provided to them by the collection agency ( stated on the Equifax reports attached ). This verification is not sufficient and is a direct violation of the FCRA. This account was placed on my credit file in error and Equifax failed to correct the reporting of this account. 

This account is mistakenly on my credit file and needs to be removed. 

summary1 ) This account is mistakenly on my credit file and needs to be removed. 
2 ) the collection agency failed to validate the account within the require time frame3 ) I was living at a different rental/leasing and was currently under a lease when this account showed up on my credit file. The amount of debt is different from the amount stated on the lease. 
4 ) Equifax failed to properly investigate and/or correct the problem. 

I have escalated this XXXX times to Equifax with no success. Equifax notoriously delay the process by performing an allege investigation to later respond with an automatic respond or not response at all. 

Again, My leased rental property from XXXX XXXX XXXX until XXXX XXXX XXXX was XXXX, and this allegation is for a rental property named XXXX for a different amount. I tried to reach out to this collection agency and they failed to validate this account and Equifax is reporting this account on my credit file in error, even though I have escalated and provided evidence that this account is not mines, equifax repeatedly delays the process of correcting this mistake. 

Attached : - Copy of XXXX - XXXX XXXX XXXX Copy of XXXX - XXXX XXXX - XXXX XXXX Equifax Reports with responses- Letters to Equifax- FTC Fraud report- Police report

Company response to consumer: Closed with explanation