Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I need your assistance. Back in XXXX of XXXX, I had a XXXX XXXX charge account that was charged off, due to my falling behind on my payment, due to illness. 
I had notified XXXX XXXX of what was going on, but long story short, the account ended up being charged off. 

The reason that I need your assistance, is that since the charge off in XXXX of XXXX, the charged off account has appeared on my credit files, and I can understand that it would. 

But XXXX XXXX is being malicious, and duplicating the account information on my credit files, making it seem as though I had XXXX XXXX XXXX accounts that were charged off. 

**The account number that I had with XXXX XXXX that was charged off in XXXX of XXXX, was Account # XXXX. 
XXXX XXXX lists this account as being opened on XXXX/XXXX/XXXX. 

**The fraudulent account that they have made up, and added to my credit files, and are refusing to remove from my credit files, they have that account listed as being opened 28 days later on XXXX/XXXX/XXXX, which is a lie, I only had XXXX charge account. 

XXXX XXXX insists on reporting XXXX charged off accounts on my credit files, thereby willfully damaging my credit files, even further, especially with Equifax. I have had the credit bureaus to dispute the fraudulent account that they continue to report, and they are refusing to remove it. 

**They continue to tell the credit bureaus that the XXXX accounts belong to me, all of the account details are pretty much the same, they have added a different account number to the fraudulent account, and they have put a more recent date on the fraudulent account, as recent as XXXX XXXX, the charge off balance of {$610.00} is the same as the XXXX XXXX account. 

They have created this extra fraudulent account on my credit files this year, because I have been disputing the information that they have been reporting on my credit files, the account that I had with them was charged off almost two years ago, and they continue to monthly list the charge off as though it has just recently happened. 
And I have gone back and forth with the credit bureaus to dispute the inaccurate information that they continue to put each month on my credit files, and in return they have fraudulently duplicated a fraudulent account onto my credit files in order to hurt me. 

I have disputed the information with the credit bureaus, and XXXX XXXX knows that I only had the XXXX account charge off in XXXX XXXX, and they insist on not removing the fraudulent duplicate account from my credit files. 

I have called XXXX XXXX, and I was sent from XXXX department to the other, and no one will remove the fraudulent account from my credit files. 

I was even given a number for XXXX bank, XXXX XXXX claims that they now have my charged off account. 
And when I call XXXX bank, they send me back to XXXX XXXX, claiming that XXXX XXXX has my account information, and they are the ones to remove it. 

I do n't care who XXXX XXXX is transferring accounts to, they have no right to illegally place fraudulent accounts onto my credit files out of spite ; and I need assistance from the Consumer Financial Protection Bureau, in having them to remove this fraudulent extra charged off account off of all of my credit files. 

I 've called XXXX XXXX XXXX XXXX, supposedly XXXX XXXX credit consumer reporting, No help. 

XXXX XXXX ( XXXX ) XXXX, number on credit report, they state that I need to call the number above, NO help. 

XXXX XXXX, as they call it XXXX XXXX XXXX XXXX, they were of no use either. 



Please mail me any follow up information regarding my complaint.

Company response to consumer: Closed with explanation