Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Annexed herein EXHIBITS A, B and C are responses from   XXXX   XXXX   XXXX   (  XXXX  ) on  XX/XX/XXXX  to a CFPB complaint from me relating to   XXXX   account amounts {$1000.00} ( acct. number starting in #  XXXX  ... ), {$1200.00} ( acct. Number starting in #  XXXX  ) and {$310.00} ( acct. number starting in #  XXXX  ) shown on my  XXXX  credit report dated  XX/XX/XXXX . In  XXXX  responses,   XXXX   linked each of these accounts in my complaints to  XXXX  accounts ending in  XXXX ,  XXXX  and  XXXX , respectively.  XXXX  alleges I opened these accounts on  XX/XX/XXXX ,  XX/XX/XXXX , and XX/XX/XXXX , respectively Astonishingly,   XXXX   states each of these accounts were opened under different name ( s ) than mine and at different addresses from mine. Therefore, I do not know who owes the named creditors and if   XXXX   even knows themselves. I lived for almost the last 20-years at only one address and you as a credit bureau know that because you see my home mortgages paid on-time every month at my true address.
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Why is  XXXX  claiming these debts against me over such a long period of time ; making up more new dates of opening these accounts when they resell/buy these accounts to/from others which extends the amount of time the record appears on my credit report - so the result is there is no time limit and it looks like these unknown debts will continue on my record forever. By all accounts, these debts will stay on my record for the rest of my life while credit bureau just looks at that, taking no action and permitting   XXXX   and others to keep renewing a debt that does not belong to me! So, even more confusion will be created when another debt collector will refresh ( buy ) the debt as if it is a new debt created by someone else other than me.
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I am amazed how  XXXX  is giving me more new names and addresses ; places I never lived and do not know what is there and who is living there. Each of these dates cited by   XXXX    are unsubstantiated by  XXXX  with no documentary evidence and/or original account level documentation. Even worse,  XXXX  has refused to present such findings to me.
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What is so remarkable about these ( 3 ) dates of alleged account openings almost exactly align with major milestones related to a life crises for my family. Given the seriousness of my familys life crises, it was impossible for me to open these accounts for shopping or follow my credit report because my life crises was the number one priority in my life and required all my time and energy.
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I do not know   XXXX   motivation to denigrate my character and reputation through my credit report without presenting a shred of evidence to validate their claims ; instead of looking for the responsible parties with different names and addresses from mine. These incorrect and erroneous  XXXX  accounts reported on my credit report must be deleted in their entirety from ALL (  XXXX  ) credit reporting bureaus for lack of validation.
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By accepting claims that do not belong to me and accepting the different names and addresses, the credit bureau is forcing me to be someone else other than me which is negatively affecting my life tremendously and the credit bureaus know or should know that very well.

Company response to consumer: Closed with explanation