Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Please find below the previous complaint I filed back on XX/XX/XXXX. The item was removed from my credit report on XXXX and XXXX report but not on the Equifax report. I am filing this to ensure that it is remove from my Equifax report as well. I copied and pasted all of the relevant info from the original complaint. Please have this removed as soon as possible as I am trying to qualify for a home. Thank you in advance for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This company has an account on my credit report. This account is on Equifax, XXXX and XXXX in the amount of XXXX. I have contacted them asking them to verify the account with signatures and a contract or something along those lines. They were never able to do that and yet refuses to remove the account from my credit. I don't know who XXXX is and have no dealings with them at all. Please have this removed from my credit file at once. This is causing me great distress as I am trying to qualify for a home loan to move my family to a better neighborhood. I will attach my drivers license and a copy of my credit report. Thank you in advance for your consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? 
Inactive modal ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
No TYPE OF ISSUE Information belongs to someone else What happened? 
This company has an account on my credit report. This account is on Equifax, XXXX and XXXX in the amount of XXXX. I have contacted them asking them to verify the account with signatures and a contract or something along those lines. They were never able to do that and yet refuses to remove the account from my credit. I don't know who XXXX is and have no dealings with them at all. Please have this removed from my credit file at once. This is causing me great distress as I am trying to qualify for a home loan to move my family to a better neighborhood. I will attach my drivers license and a copy of my credit report. Thank you in advance for your consideration in this matter. Sincerely, XXXX XXXX I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. 

The CFPB will take steps to remove my personal information from this description but someone XXXX still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 
Please remove this incorrect account from my credit report as soon as possible. Thank you in advance for your assistance in this matter. 
XXXX attachments XXXX uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX ( XXXXXXXX XXXX  ) Drivers XXXX XXXX XXXX XXXX ) What company is this complaint about? 
COMPANY INFORMATION XXXX SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) DATE OF BIRTH XX/XX/XXXX What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX United States XXXX XXXX LANGUAGE XXXX Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Company will need additional time to review this account. 
Company responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Please see attachment of XXXX 's signed response tailored to the consumer 's complaint. 
ATTACHMENTS XXXX Response for XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Feedback requested STATUS Feedback requested on XX/XX/XXXX FEEDBACK DUE XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. 

Closed The CFPB has closed your complaint.