Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX is reporting false information on my credit report. I have requested for them to prove the validity of the account and they have refused. They are currently violating my rights under the provisions of FCRA 623 ( a ) ( 8 ) ( E ). 
XXXX XXXX XXXX is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have filed multiple disputes with all three credit bureaus which are reporting information as " verified ''. However, incongruent with my legal rights neither the credit bureaus nor the creditor ( XXXX ) have sent the requested documentation proving the validity of this account. I also have previously sent written correspondence to XXXX XXXX XXXX on XX/XX/XXXX requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX XXXX 's response ( XX/XX/XXXX ) was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. This is a notice of direct dispute with XXXX XXXX XXXX, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. Credit card account number ending in XXXX. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX XXXX, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes : Identification of the specific information being disputed : XXXX, XXXX, and Equifax reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. 
BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) Equifax - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - unknown/not listed 2. Payment history ( Inconsistent across all XXXX bureaus ) Equifax - Late 30days x1, late 60days x1, late 90days x23 ; worst delinquency - Bad debt/Collection XXXX - Late 30days x0, late 60days x0, late 90days x0 ; worst delinquency - None reported Experian - Late 30days x1, late 60days x1, late 90days x21 ; worst delinquency - Collection ***Payment status is showing charge off from XX/XX/XXXX-XX/XX/XXXX on Equifax ; however, XXXX payment status is showing " charge off '' on XX/XX/XXXX thru XX/XX/XXXX, then " ok '' XX/XX/XXXX, XX/XX/XXXX, then " charge off '' again XX/XX/XXXX thru XX/XX/XXXX, then " ok '' XX/XX/XXXX and XX/XX/XXXX, then listed as " charge off '' XX/XX/XXXX. *** 3. Status ( Inconsistent across all three bureaus ) Equifax - " Charge off '' XXXX - " Charged off as bad debt '' XXXX - " Unpaid balance reported as a loss by credit grantor ''. 
I have NO knowledge of this account nor did I open said account listed in my direct dispute and ask that it officially be removed from my consumer reports ; specifically Transunion, Equifax , and Experian as it in NO way was opened/approved/taken out by me. 

Below I have provided the original letter requested on XX/XX/XXXX, the response on the creditor, and the reporting information that remains on my credit report.