Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Ran Credit Report for 3 bureaus XXXX, Equifax and XXXX XXXX and found a closed account for XXXX XXXX XXXX which was not my account. XX/XX/XXXX .Sent letter to creditor XXXXXXXX XXXX XXXX  XXXX. to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Return receipt showed they received the letter on XX/XX/XXXX. No response. XX/XX/XXXX, Ran Credit : Results : All 3 credit bureaus had a Violation of my consumer rights, no comment stating the consumer disputed the account. A Fair Credit Reporting Act violation. XX/XX/XXXX Sent Creditor XXXX XXXX XXXX Letter to the same above address, no response. XX/XX/XXXX Ran XXXX Credit Results : No Change. XX/XX/XXXX Sent Letter certified return receipt Disputing The Account to XXXX, Equifax and XXXX XXXX. XX/XX/XXXX XXXX XXXX received the letter. XX/XX/XXXX Equifax received the letter. XX/XX/XXXX XXXX received the letter. XX/XX/XXXX Equifax responded updated the account. No comment stating disputed by consumer. Violation of my consumer rights. XX/XX/XXXX XXXX XXXX sent an letter stating the account was updated. No comment stating the account was disputed by consumer. Violation of my consumer rights. XX/XX/XXXXXXXX XXXX responded with a letter sating the account was updated. No comment stating the account was disputed by consumer. Violation of my consumer rights. XX/XX/XXXX Ran Credit XXXX  Results : No change. XX/XX/XXXX Sent Letter Disputing The Acct XXXX, Equifax and XXXX XXXX. XX/XX/XXXX XXXX XXXX Received the letter. XX/XX/XXXX XXXX XXXX sent a response they will not re-investigate at this time. Violation of my consumer rights. XX/XX/XXXX Equifax responded with a letter stating the account was updated. No comment stating the account was disputes by consumer. Violation of my consumer rights. XX/XX/XXXX XXXX sent a letter stating the account was updated. No re-investigation will be done. No comment stating the account was disputed by consumer. Violation of my consumer rights. XX/XX/XXXXXXXX XXXX Change : Purchased By Another Lender XXXX XXXX Change : Purchased By Another Lender Equifax No Change XX/XX/XXXX Sent Letter certified return receipt Disputing The Account to XXXX, Equifax and XXXX XXXX. XX/XX/XXXX Equifax received the letter. XX/XX/XXXX XXXX received letter. XX/XX/XXXX XXXX XXXX received the letter. XX/XX/XXXX Equifax sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. XX/XX/XXXX XXXX  sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. XX/XX/XXXX Equifax sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. XX/XX/XXXX XXXX XXXX sent a letter of updated account with no change. No comment stating the account was in dispute by consumer. Violation of consumer rights. XX/XX/XXXX Called XXXXXXXX XXXX XXXX XXXXXXXX spoke to XXXX XXXX XXXX says can not validate account because it was sold to XXXX  collection and asked me to contact them. XXXX  ( XXXX XXXX XXXX. XXXX Called XXXX  and spoke to XXXX who states that I can not speak to them about the account because its still not finished transferring to them yet. Spoke to XXXX who states I can send a payment to them at XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Acct # XXXX for {$830.00}. XX/XX/XXXX Received a letter asking for additional information needed. It asked to contact the dispute team at XXXX and reference dispute # XXXX. It says if you have already spoken to a bank representative about this, disregard this letter. XX/XX/XXXX Equifax sent a letter stating a dispute by consumer comment. Too late. XX/XX/XXXX Ran Credit for all 3 bureaus with no change. XX/XX/XXXX Credit Ran for all 3 bureaus with no change.

Company response to consumer: Closed with explanation