Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax, in conjunction with XXXX XXXX XXXX continues to blatantly report inaccurate, unverifiable entries on my credit report ( see attached ). The entries on my reports reflect that XXXX XXXX reported these between XXXX on my credit report, yet they did not provide any communication to me. 

No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on these erroneous entries. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX ( see attached ). To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute nor was the mail returned. 

To date, XXXX XXXX has advised XXXX and XXXX to DELETE ALL OF THE INACCURATE, UNVERIFIABLE ENTRIES FROM THOSE REPORTS ; HOWEVER, EQUIFAX HAS NOT. TO DATE, EQUIFAX HAS IGNORED MY REQUESTS ANDN CONTINUE TO REPORT THESE ENTRIES FROM MONTH TO MONTH. Equifax and XXXX XXXX both have had over 6 months to respond to me, yet they have not. I then began communicating in writing to XXXX XXXX. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. 

In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the alleged provider of service to release my medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. Prior to reporting any alleged medical entry the ACA provides a collection company must wait 6 months. XXXX XXXX XXXX did not and to date has not provided a copy of any documentation to support they provided the allotted amount of time to pass per law prior to inserting this derogatory, inaccurate entry on my credit reports. 

In the interim of not receiving any communication from XXXX XXXX XXXX, XXXX and XXXX both notified me that the entries previously reported by Professional Credit were deleted. This is again where I communicated to Equifax and XXXX XXXX to determine why Equifax was not updating my profiles. Again, to no avail. Neither Equifax nor XXXX XXXX responded. 

It is obvious that Equifax nor XXXX XXXX XXXX have no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of Equifax not responding within 45 to notify me of the results of their investigation to my dispute as required by law, they must delete ALL entries from my report. In addition, XXXX XXXX XXXX is just as much at fault because they are instructing Equifax to update my report monthly with false information. XXXX XXXX XXXX did not respond to my communication within 30 days of receiving my dispute and to date has not responded. As the third party collection agency violating Fair Debt Collection Practices Act as well as FCRA and Fair Billing act, their lack of response is evident that they have no grounds or basis for continuing to report these inaccurate items and must cease any and all collection efforts and return them to the alleged original creditor. 

Why did XXXX XXXX advise XXXX and XXXX to delete the entries and not Equifax? Why did Equifax not investigate my dispute and respond to me in writing as requested? Why did XXXX XXXX ignore my requests regarding the Equifax reporting? Why did XXXX XXXX not provide copies of the Financial Responsibility papers if they are alleging the debt belongs to me? Why did I never receive any notifications from XXXX XXXX prior to them inserting these entries on my credit report? 

THESE ENTRIES MUST BE DELETED IMMEDIATELY These entries are further diminishing my creditworthiness and should not be reflected on my reports. I am demanding Equifax delete

Company response to consumer: Closed with explanation