Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

Back on XX/XX/2015, I had my credit filed pulled from all XXXX credit bureaus on my XXXX birthday. It was discovered there was a XXXX account that was in serious delinquency status. I did not have a credit card, I immediately called XXXX and after fight with them got them to give me more information. This card was register to a XXXX XXXX, not to me. They said I was added as a authorized user for this card, but I never consented to such thing. They also stated even if I was it should n't be reported as your not financial responsible for the debt, I was removed as a authorized user on the card, I filled disputes with all XXXX credit agencies XXXX, Equifax and XXXX. XXXX and XXXX removed it from my credit card my very first dispute. Equifax no that the account belonged to me, I called Equifax and they advised I needed to have a letter from XXXX. I called XXXX back and requested a letter from them to have this removed. The gave me letter ( which was against their policy ) in which I submitted with my 2nd dispute. This dispute came back the same thing, I called XXXX they offered to do a conference call but Equifax declined and disconnected call, per XXXX they sent me their terms and agreements for the Authorized user cards and Fraud accounts to help with my Dispute. I disputed it again with this information and with the letter and got the SAME outcome. I filled another dispute immediately and this time included a statement letter with what I experiencing with them and not with anyone else. After the investigation I FINALLY got it to the " association terminated '' status. I was n't at all happy with this I had no fight left to file another dispute I left it at that I felt like I had no choice. I could n't use ANYONE that reported with Equifax for lender decisions, when I applied for a car loan and was denied I finally asked what is it that I was denied for. They specifically stated, " there was something for XXXX on their. '' I told them it should say association terminated, they said it did n't. So, I pulled my report for all XXXX once again, XXXX and XXXX are still not reporting but sure enough Equifax was reporting this as a CHARGEDOFF credit card, I disputed it immediately and got a different response The following disputed account or inquiry is currently not reporting on your Equifax credit file : unknown when I called they Equifax they said it was denied because it was mine. It was not removed STILL I was confused and frustrated and hung up I called them again and called XXXX did a silent Conference call, letting XXXX listen to what Equifax was saying, I revealed that I had XXXX on the Line and the rep stated everything I did throughout all my disputes. And asked what I needed they want something in a " emessage '' requesting to have the item removed. They do not have such a thing, as soon as the conference call started Equifax ended it. And here I am as a last resort to get this handled. I was XXXX when I was added to that card without my permission, disputed it at XXXX and now at almost XXXX I am going on 3 years with no resolve I am stuck.