Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing this complaint against Equifax Credit Bureau. I am at the " end of my rope ''? It has caused me many sleepless nights and enormous emotional stress for the last XXXX years, resulting in denial of credit, higher interest rates on my credit cards, home and auto loans on numerous occasions. 
The history of my attempt to correct and verify this entry on my credit report that it is " not mine '' personal account ( account ending in XXXX ) is beyond comprehension. In addition, the " amount due '' has changed numerous times and dates back to a telephone conference with a " Credit Manager '' of XXXX Credit Card Company XXXX acquired by XXXX Bank on XXXX/XXXX/XXXX ) on XXXX/XXXX/XXXX. Even though I have requested numerous times, both verbally and written XXXX approximate XXXX types of communication ) for verification/validation of this debt, not XXXX out of the XXXX reporting agencies or collection agencies could provide me with a copy of an executed original agreement bearing my signature, proof that this was my personal account or provide me with a " complete '' account number ( only the last XXXX digits provided XXXX to verify this account was mine. Over the past 4 1/2 years I have diligently contacted the XXXX reporting agencies, disputed and have attempted to have this negative tradeline removed as be incorrect and not mine, but has been unresolved to this day. As a consumer, I have followed EVERY step, procedure, request and follow-up ( even contacting the Attorney General 's Office ) that has been asked of me and I still have not been able to get this inaccurate negative information that is reflected on my personal credit report removed. 
I have been subjected to collection activities from four different collections agencies ( 1 ) XXXX XXXX XXXX XXXX ; ( 2 ) XXXX XXXX XXXX and numerous unrelentless collection calls ; XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX 4 ) XXXX. 
The following is a small " sample timeline of same : XXXX XXXX Bank credit allegedly opened XXXX Years between XXXX XXXX XXXX, XXXX - " NO '' tradeline/notations on my personal report XXXX, XXXX - XXXX time noted on my personal report ; in " collections '' XXXX/XXXX/XXXX - Rec 'd collections notice form XXXX '' with incorrect account number & amount ( Attachment " A '' ) XXXX/XXXX/XXXX - Wrote " Cease & Desist '' Letter XXXX/XXXX/XXXX - Rec 'd letter for " XXXX XXXX Collections '' XXXX Attachment " B '' ) XXXX/XXXX/XXXX - Wrote " verification and validation '' letter XXXX Attachment " XXXX '' ) ********* List of collections calls received XXXX Attachment " XXXX '' ) XXXX/XXXX/XXXX - Wrote to Office of Attorney General ( internet complaint ) XXXX/XXXX/XXXX - Rec 'd response from AG 's office ; were unsuccessful in contacting XXXX Collections ( Attachment " C '' and " XXXX '' ) XXXX/XXXX/XXXX - Rec 'd telephone call from " XXXX XXXX XXXX XXXX XXXX '' ( after " cease and desist '' letter was received ; sent another " cease and desist '' letter XXXX Attachment " D '' ) XXXX/XXXX/XXXX - Rec 'd collection notice from " XXXX XXXX Attachment " XXXX '' - acting as a collection agent for XXXX XXXX, XXXX XXXX, KS ) I have documentation for everything. I 'm frustrated and desperate for any help and assistance that you can provide me. Thank you for you time.

Company response to consumer: Closed with explanation