Consumer complaint received 2018-07-02
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: Information belongs to someone else

Complaint:
Equifax is reporting unverifiable information on my credit report. 
I have recently received a letter in the mail stating that a dispute I have filed has been completed. The confirmation number is XXXX. The disputed account " XXXX XXXX Account # XXXX '' has come back again as " Updated ''.

I have reached out to this creditor several times about this account and they can not provide me with any documentation in regards to this account. 

These are the dates in which I have called. 

XX/XX/2018 at XXXX I spoke with XXXX , she refused to give rep number XX/XX/2018 at XXXX I spoke with XXXX rep # XXXX XX/XX/2018 at XXXX I spoke with XXXX rep # XXXX XX/XX/2018 at XXXX I spoke with XXXX, she refused to give rep #. 

On each of these calls I was informed that they could not provide me with any information in regards to these accounts. I asked for any contracts showing me a signature in which I applied to open this account, they could not provide me with that. I asked for any types of original documents in regards to this account and they assured me they did not have any and could not provide any to me. 

Yet Equifax still " verifies '' or " updates '' this information based on the XXXX system. This is in blatant violation of the FCRA. Using the XXXX system or any other electronic means of account verification is not a full and thorough investigation. I have been to, d by serveral Equifax reps that all they do is match name, address and social security number to the disputed account. That information can be obtain from anywhere. This company can not provide verifiable documentation for this account but Equifax is still allowing it to report negatively on my credit report, again a blatant violation of the FCRA, which is doing me harm in my financial life. It is stopping me from being able to apply for new lines of credit, it has cause a decrease in the credit limits I have on current standing accounts. 

I have told several Equifax reps that I have called the creditor multiple times and they can not provide me with documentation that proves this debt is mine. I have asked equifax to delete and block this information from reporting but despite me giving them proof this account can not be verified with documentation they still relay solely on their XXXX system. If I provide them with information stating this account is unverifiable, it is direct non-compliance to allow this account to continue to report on my credit file. 

I have also been able to have this same account removed from my XXXX credit report due to XXXX not being able to verify this account. What makes equifax any different. If someone from XXXX can call this creditor up and the creditor tell them the same thing they told me, that there is no documentation on this account, nothing in original form proving this account is indeed mines, why is it that equifax and not do the same thing, especially when they are supposed to thoroughly investigate these disputed accounts. 
Also, there is no suffix at the end of my name. My Driver 's License and Social Security has been provided to you multiple times and it has still not be corrected. Also, if in your system you have a suffix listed on my name how can you verify the negative account if they do not have my name on the account listed with a suffix? Yet another clear violation of the FCRA

Company response to consumer: Closed with explanation