Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX Account is listed as OPEN.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account also reports INCORRECT dates in the payment history areas. Please delete this item immediately to remedy from my credit file to remedy this issue. 
There is a fraud/identity theft alert on my credit report warning of the fraudulent accounts. 

XXXX XXXX Acct # : XXXX Account is listed as CLOSED, {$1500.00} written off. Sold to a 3rd party debt collector ( XXXX XXXX ). This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS. 
I never opened this account ; I have put a fraud alert on my credit profiles but yet the credit bureaus keep claiming this debt is mine and will not remove this account per my request. 
This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item to remedy this situation. 

XXXX XXXX  XXXX Acct # : XXXX Account is listed as a charge off, {$1500.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue.

This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to
report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXX XXXX  Acct # : XXXX The account is listed as a charge off, {$1000.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue.

This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

THE XXXX XXXX Acct XXXX : XXXX The account is listed as a charge off, {$760.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue.

This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX Acct # : XXXX Account is listed as a charge off, {$8700.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue.

This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXX Acct # : XXXX Account is listed as CLOSED, {$2400.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX Account is listed as CLOSED, {$4500.00} written off. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue.

This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXX XXXX Account is listed as CLOSED but it is a collection account. This company is a 3rd party debt collector. This creditor can not publish this information as they do not have my permission to share this information, I never signed a contract with this company, and they can not produce any documentation to verify that this is my account and that I gave them permission to share this information prior to them submitting it to the credit reporting companies.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account is reporting a balance ; no charge off account or closed account can report a balance as the account is closed/charged off/sold and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXX XXXX Account is listed as CLOSED but it is a collection account. This company is a 3rd party debt collector. This creditor can not publish this information as they do not have my permission to share this information, I never signed a contract with this company, and they can not produce any documentation to verify that this is my account and that I gave them permission to share this information prior to them submitting it to the credit reporting companies.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account is reporting a balance ; no charge off account or closed account can report a balance as the account is closed/charged off/sold and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXX XXXX Account is listed as CLOSED but it is a collection account. This company is a 3rd party debt collector. This creditor can not publish this information as they do not have my permission to share this information, I never signed a contract with this company, and they can not produce any documentation to verify that this is my account and that I gave them permission to share this information prior to them submitting it to the credit reporting companies.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account is reporting a balance ; no charge off account or closed account can report a balance as the account is closed/charged off/sold and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXX XXXX Account is listed as CLOSED but it is a collection account. This company is a 3rd party debt collector. This creditor can not publish this information as they do not have my permission to share this information, I never signed a contract with this company, and they can not produce any documentation to verify that this is my account and that I gave them permission to share this information prior to them submitting it to the credit reporting companies.

I never opened this account ; I have put a fraud alert on my credit profiles, but the credit bureaus keep claiming this debt is mine and will not remove this account per my request.

This account is reporting a balance ; no charge off account or closed account can report a balance as the account is closed/charged off/sold and can not have a balance. This is essentially reporting my private personal income on a national basis, and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

References 1. Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

2. IRS Code, 26 U.S.C. 6050P 3. XXXX XXXX XXXX for XXXX XXXX