Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8192897
Complaint Overview
Complaint ID: 8192897
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 78634
Date Received: 2024-01-20T12:00:00-05:00
Date Sent to Company: 2024-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In the month of XXXX or XXXX of XXXX XXXX XXXX XXXX XXXX ( address : XXXX XXXX XXXX, XXXX, FL XXXX ) was added to my Equifax and XXXX Credit Report with a delinquent balance of XXXX. When this happened, I contacted the company ( XXXX XXXX XXXX ) who continued to state that I owe and or own the Resort. I've spoke with them and different attorneys ( but not represented ) which advised me to dispute the action with supporting documentation reflecting that this is not my debt or property. I disputed the action twice with XXXX and Equifax, however recently this debt has appeared on my XXXX account as well. I've made it very clear with supporting document showing that I did not purchase, nor do I own this Resort at any time in my life. I have never purchase nor sign any documents to purchase this or any other Resort at any time however I do have a ex-wife ( owner ) who already owned this Resort years before our meeting, and this is where we spent the honeymoon in XXXX of XXXX but I did not sign or co-sign with her or for her, for purchase or upgrade. During the divorce we verbally agreed that we would finalize any and all finical obligation between us with no interruptions however I did have her signed a agreement prior to our divorce concerning the XXXX XXXX Account because they started calling me sometime in XXXX, after our legal separation. Again, XXXX XXXX was bought by my ex-wife before I meet her sometime in XXXX or XXXX and she ( or the company ) upgraded the account in XXXX. Never has this Company obtain a Credit Report from me ( by my permission ) for my own purchase nor to add me to the financial obligation or deed. This account was not reported on my Credit Report in the year of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and for XXXX or XXXX of the months in XXXX. Then XXXX years ( and more ) after the opening of this XXXX XXXX XXXX Account ending in XXXX, it suddenly appears on my Equifax, XXXX and now XXXX Credit Reports. This account number that was associated with my e name and Social Security Number ( as reflected with the legal IRS Form 1098 ) mysteriously in XXXX, suddenly reflects my name and SSN ( with the same XXXX Account Number ending in XXXX ). I believe that my identity has been illegal used and signature has been forged in order to put this in my name to release the original owner of the debt and relationship with XXXX XXXX XXXX XXXX. This is a false and forged action not only by signatures but also by residential address. At least two address were used as well and listed on my Credit Report in which I've never known about or seen until their appearance on my credit report. XXXX XXXX XXXX has never sent me mail or certified mail at any of my actual address concerning this manner. Since the year of XXXX XXXX XXXX XXXX has harassed me by phone and email concerning this debt, in which I referred them to the owner. They did continue to call me but I did not answer. They did email me trying to convince me to sign documents agreeing to owning or selling to release myself from the debt but I told them Im not the owner. This has been going on since XXXX and I've been fighting with XXXX XXXX XXXX for almost XXXX years and Credit Bureaus for close to XXXX years. This XXXX XXXX XXXX XXXX has now been foreclose in my name on XXXX of XXXX. I've attempted to resolve these issue in many different direction with you being the last along with a few other agencies to insure that the correct actions take place and are finalized and reported.
Frequently Asked Questions
What is Complaint #8192897 about?
Complaint #8192897 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-20T12:00:00-05:00.
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 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.