Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: TX
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:
The listed information being provided below is inaccurate I am requesting that the following listed below be immediately removed and or deleted. 
XXXX - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$960.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$960.00} {$960.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets XXXX requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$960.00} {$960.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$700.00} {$700.00} -- FST PREMIER XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$540.00} {$0.00} {$540.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$540.00} {$540.00} {$540.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets XXXX requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Consumer disputes this account information Charged off account Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$540.00} {$540.00} {$540.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX OF MO XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$460.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$630.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : XXXX XXXX XXXXXXXX XXXX XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by credit grantor. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$1500.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1500.00} {$1500.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; reported by XXXX XXXX was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$1500.00} {$1500.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$1100.00} {$1100.00} -- TX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX High Balance : {$22000.00} {$22000.00} {$22000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Credit Union Credit Unions Credit Unions Account Status : Closed Closed Open Payment Status : Current Late 120 Days Current Creditor Remarks : Closed -- Consumer disputes- reinvestigation in progress Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : XXXXMonth ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan -- XXXX XXXX XXXX Monthly ( every month ) -- -- Credit Limit : -- -- -- Two-Year payment history XXXX XXXX Equifax Days Late - XXXX Year History XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Balance : {$2200.00} {$2200.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1600.00} {$1600.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Home/Office Furnishings Miscellaneous Finance -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$1600.00} {$1600.00} -- Account Type : Secured loan Secured loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX High Balance : {$10000.00} {$10000.00} {$3100.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2400.00} {$2400.00} {$2400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank All Banks All Banks Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX balance reported as a loss by the XXXX XXXX. 
Charged off account Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( XXXX ) XXXXMonth ( XXXX ) -- Past Due Amount : {$2400.00} {$2400.00} {$2400.00} Account Type : Auto Loan Auto Loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX -- -- High Balance : {$1400.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1300.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Finance/Personal -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Charged off as bad debt Profit and loss write-off -- -- Payment Amount : {$140.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : XXXXMonth ( XXXX ) -- -- Past Due Amount : {$1300.00} -- -- Account Type : Note loan -- -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX -- High Balance : {$2500.00} {$2500.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$2000.00} {$2000.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Credit Union Credit Unions -- Account Status : Closed Closed -- Payment Status : XXXX XXXX XXXX XXXX Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$2000.00} {$2000.00} -- Account Type : Unsecured loan Unsecured loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- Collection Accounts : Accounts seriously past due PORTFOLIO XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX -- High Balance : {$280.00} {$280.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$280.00} {$280.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
-- Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX XXXX XXXX Equifax Account # : XXXX -- -- High Balance : {$420.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$420.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account information disputed by consumer, meets XXXX requirements -- -- Original Creditor : XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- --

Company response to consumer: Closed with explanation