Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Received two letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with   XXXX   credit Bureaus  XXXX , Equifax and  XXXX  since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my   XXXX   report which made it seem like I  had  XXXX   past due accounts instead of jus t  XXXX .     XXXX   reports originally showed as follows :  XXXX  acct ending in  XXXX  balance {$3600.00} opened  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XXXX / XXXX / XXXX    XX/XX/XXXX   acct ending in  XXXX  balance {$3100.00} opened  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00}. Equifax showed both  XXXX  accts the same as   XXXX   but no  XXXX   XXXX   XXXX  accts.   XXXX   showed no  XX/XX/XXXX  accounts but the   XXXX   XXXX   XXXX   showed as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  XXXX / XXXX / XXXX . None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from  XXXX   XXXX   XXXX . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  XXXX / XXXX / XXXX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against  XX/XX/XXXX ,  XX/XX/XXXX   (   XXXX  ) and Equifax (  XXXX  ) on  XXXX / XXXX / XXXX  and in doing so  XXXX  deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX -  XXXX   XXXX    acct #  XXXX  and  XXXX  acct opened  XXXX / XXXX / XXXX  {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XXXX / XXXX / XXXX  {$3500.00} which is still incorrect. Equifax currently shows-   XXXX   acct # ending  XXXX  opened  XXXX  {$3100.00},   XXXX   acct ending #  XXXX  opened  XXXX / XXXX / XXXX  {$3600.00}.   XXXX   currently shows-  XXXX   XXXX  acct ending #  XXXX  opened  XXXX / XXXX / XXXX ,  XXXX   XXXX  acct ending #  XXXX  opened  XXXX / XXXX / XXXX  Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.

Company response to consumer: Closed with explanation