Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  investigated a fraudulent XXXX XXXX acct.XXXX   XXXX represent XXXX XXXX and XXXX XXXX  XXXX as a subsidiary.I sent a inquiry to The CFPB and XXXX XXXX found the acct fraudulent however, I submitted the findings of the CFPB and XXXX is still stating that the acct is accurate. 


On Tuesday, XX/XX/XXXX XXXX XXXX, CFPB <noreply-notice@cfpb.gov> wrote : CFPB Header You may have been a victim of fraud. 

XX/XX/XXXX Hello, Thank you for your complaint XXXX about XXXX  XXXX, XXXX XXXX XXXX, XXXX.

We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud by a person or company pretending to be the company in your complaint. 

What do I do? 
If you have been the victim of a scam, you are not alone. There are resources available to help you. 
The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at XXXX. The XXXX XXXX XXXX XXXX is a partnership between the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : XXXX  XXXX, XXXX  XXXX, or personal loan Issue : Struggling to pay your loan What else can I do? 
You can also use the following government agency websites to get information on fraud, safety, and identify theft : XXXX XXXX   XXXX  Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX XXXX XXXX ImportantIf you submitted this complaint on behalf of someone else or you are the co-owner or authorized user on the account and you did not submit the complaint yourself you will need to contact us by calling ( XXXX ) XXXX for questions and status updates. Only the primary owner of the account will receive access to the Consumer Portal. 

QUICK LINKS More about our complaint process : consumerfinance.gov/complaint/ or call ( XXXX ) XXXX For legal assistance visit the Legal Services Corporation XXXX XXXX XXXX Additional financial information and resources : XXXX CFPB Footer Im also being threatened and harassed by this company. 


On Friday, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX wrote XXXX -- - On Sat, XX/XX/XXXX, XXXX XXXX XXXX wrote : > From : XXXX XXXX XXXX XXXX Subject : Final Notice > To : " XXXX '' XXXX > Date : Saturday, XX/XX/XXXX, XXXX XXXX > > > > > > > > > Find Your Warrant > Copy : XXXX will be going to release on > Wednesday > This is last chance > for > This Legal Proceeding > will be issued on your Docket Number XXXX with one > of XXXX XXXX XXXX Company to let know you that after > making calls to > you on your phone number we were not able to get hold of > you. So the account 's department of XXXX XXXX has > decided to mark this case as a flat refusal and press legal > charges against you. 
> CASE NO : > XXXX > Amount Outstanding : > {$600.00} > We have sent you this > warning notification about legal proceedings of XX/XX/XXXX, > XXXX, but you failed to respond on time now its high > time if you failed to > respond in next 4 HOURS we will register this case in > court. Consider this as a final warning. And we will be > Emailing/ Fax this issue to your current employer to make > sure they take strict against you. Your salary wages will we > garnished. 
> > Do revert back if you > want to get rid of these legal consequences and make payment > arrangement today or else we would be proceeding legally > against you and > this notification will also send to your current employer. 
> The opportunity to take care of this voluntary is quickly > coming to an end. We would hate for you to lose the option > of resolving this before it goes to the next step which is a > Lawsuit against you, XXXX but to do so you must take immediate action. 
> > > You can email back to > get the payment mode. 
XXXX XXXX XXXX > We will we forced to > go ahead legally against you and once it proceed in the > Court House, The creditor has entire rights to tell your > employer and your references > about this issue and the lawsuit will be the next step > which will be amounting to {$6700.00} and will be totally > levied upon you and that would be excluding your attorney > charges. If you take care of this out of court then we will > release the clearance certificate > from the court and we will make sure that no one will > contact you in the future. 
> > Please let us know > what your intention is by today itself so we can hold the > case or else we will send the paperwork to your local county > sheriff department > and you will we served by court  summons at your door > step. 
> > We informed you and > we have more than 17 kinds of technical proof against you to > prove that you are guilty and committed the following > frauds. 
> > > 1. Violation of > Federal Banking Regulation.

> > 2. Collateral Check > Fraud > > 3. Theft by > Deception > > 4. Electronic Fund > Transfer Fraud. 
> > > Note : This notice > provided to you for XXXX XXXX XXXX and its parent > company, and their respective family of companies including > XXXX XXXX, its parent > company, XXXX XXXX XXXX , XXXX, and all of their > respective subsidiaries and affiliates, ( after this ... takes > effect collectively called the XXXX XXXX Related > Companies, we, our, or > us ). The XXXX XXXX Related Companies > include, but > are not limited to : XXXX XXXX, XXXX XXXX > XXXX XXXX XXXX, and all of their respective > subsidiaries and affiliates, including those that work under > the trade names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, > XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX > XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX > XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX > Now, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  > XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, Check into > XXXX XXXX XXXX XXXX > XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX > XXXX XXXX XXXX, or any company-owned XXXX . XXXX > locations. You or Your means you > as a participant in or as a user of the products and/or > services offered by a XXXX XXXX Related > Company. 
> WE MAY REPORT > INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE > PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT > MAY BE REFLECTED IN YOUR > CREDIT REPORT. 
> > > TERMS AND > CONDITIONS YOU AGREED. 
> > By electronically > signing this Loan Agreement by clicking the I > AGREE button below, you are confirming that you have > agreed to the terms and conditions > of the Consent and that you have downloaded or printed a > copy of this Consent for your records. 
> > > Note : To make payment > you would have to contact our email address > XXXX XXXX > We are informing you > that if we will not receive your payment then, > unfortunately, we have to go ahead further with the legal > action against your name > > Note : - If you ignore > this email and failed to take care of this debt than all of > your bank accounts will we seized through XXXX XXXX > XXXX within Seven > Business Days that's why your co-operation will we > appreciate. 
> > XXXX XXXX ( Accounts > Dept. ) > XXXX XXXX XXXX > agency XXXX  XXXX > XXXX XXXX > XXXX > XXXX XXXX > XXXX > XXXX, GA > XXXX > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Thu, XX/XX/XXXX, XXXX wrote XXXX Subject : Final Legal Notice Before Legal Proceedings To : XXXX Date : Thursday, XX/XX/XXXX, XXXX AM Hello, Find Your Warrant Copy : XXXX  - XXXX - XXXX will be going to release on Friday. This is last chance for you This Legal Proceeding will be issued on your Docket Number XXXX - XXXX - XXXX with one of XXXX XXXX XXXX Company to let you know that after making calls to you on your phone number we were not able to get hold of you. So the account 's department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXX - XXXX - XXXX Amount Outstanding : {$980.00} We have sent you this warning notification about legal proceedings of XX/XX/XXXX, but you failed to respond on time its high time if you were unable to meet in next 24 HOURS we would register this case in court. Consider this as a final warning. And we will be Email/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will we garnished. Do revert if you want to get rid of these legal consequences and make payment arrangement today or else we would be proceeding legally against you, and this notification will also send to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so, you must take immediate action. You can email us back to get the payment mode.XXXX XXXX XXXX XXXX We will be forced to go ahead legally against you and once it proceeds in the Court House , the creditor has entire rights to tell your employer and your references about this issue and the lawsuit will be the next step which will be amounting to {$8400.00} and will be levied entirely upon you and that would be excluding your attorney charges. If you take care of this out of court, then we will release the clearance certificate from them, and we will make sure that no one will contact you in the future. Please let us know your intention by today itself so we can hold the case or else we will send the paperwork to your XXXX XXXX sheriff department and you will we served by court summons at your doorstep. We informed you, and we have more than 17 kinds of scientific proof against you to prove that you are guilty and committed the following frauds. 1. Violation of Federal Banking Regulation. 2. Collateral Check Fraud 3. Theft by Deception 4. Electronic Fund Transfer Fraud. Note : This notice provided to you for XXXX XXXX XXXX. and its parent company, and their respective family of businesses including XXXX XXXX, its parent company, XXXX XXXX XXXX , XXXX, and all their respective subsidiaries and affiliates, ( after this ... 
takes effect collectively called the XXXX XXXX XXXX XXXX, we, our, or us ). The XXXX XXXX Related Companies include, but are not limited to : XXXX XXXX, XXXX XXXX XXXX , XXXX, and all of their respective subsidiaries and affiliates, including those that work under the trade names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX locations. You or You're means you as a participant in or as a user of the products and services offered by a XXXX XXXX Related Company. WE MAY REPORT INFORMATION ABOUT YOUR  ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY REFLECT ON YOUR CREDIT REPORT. TERMS AND CONDITIONS, YOU AGREED. By electronically signing this Loan Agreement by clicking the I AGREE button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. Note : To make the payment you need to contact our email addressXXXX XXXX XXXX XXXX We are informing you that if we do not receive your payment then, unfortunately, we must go ahead further with the legal action against your name Note : - If you ignored this email and failed to take care of this debt than all your bank accounts will we seized through Major XXXX XXXX XXXX XXXX Business Days that's why your co-operation will we appreciated. XXXX XXXX ( Accounts Dept. ) Bureau of Defaulters agency XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX powered by XXXX. Free mail merge and email marketing software for Direct Dispute In partnership with Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to XXXX 'XXXX   site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.

Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX  using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX XXXX XXXX XXXX. Box XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX XXXX Closed on major U.S. holidays View Your Latest XXXX  Credit Report Review the XXXX  Bill of Rights XX/XX/XXXX I also had a hard time getting speedy cash removed but after I got u all involved it was removed. 

XXXX XXXX Reported on XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$540.00} High Balance {$540.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX You already have an open dispute with XXXX, so we can't submit this request to them right now. To file a new dispute request, you can either mail XXXX another dispute request directly, or you can wait until your first dispute wraps up and submit your request through XXXX XXXX. 
Add More Items Continue. 
This is the message I got its still being investigated but there is an answer.

Company response to consumer: Closed with explanation