Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6358941
Complaint Overview
Complaint ID: 6358941
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Missouri
ZIP Code: 64131
Date Received: 2022-12-24T12:00:00-05:00
Date Sent to Company: 2022-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX of XXXX, my brother was moving to the west coast for work and opened a checking account at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the west coast in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When XXXX XXXX reported this to the credit bureau ( s ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( s ), I went to the XXXX XXXX branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have XXXX XXXX state I was responsible. I have spoken with XXXX XXXX several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( s ) but can not discuss the issue with me. If XXXX XXXX is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #6358941 about?
Complaint #6358941 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-12-24T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.