Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please note : The document below was mailed along with all attachments as registered mail on XX/XX/XXXX. I received notice that it was received on XX/XX/XXXX at XXXX. I have attached all proof of evidence. I spoke to a representative at your company today who advised me to also complete the complaint online. Please contact me via email with any questions. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX I received notice from XXXX  and XXXX XXXX XXXX XXXX , XXXX ( collection agency for XXXX XXXX ) stating that I owe a balance of {$7800.00} from XXXX XXXX which significantly affected my credit score and credit report. Due to this fraudulent inaccurate and unverified debt, my credit score went from XXXX to now XXXX. I requested debt validation on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX, and was never provided the proof that I owe the debt, yet they continued to report unverified information to the credit bureaus which is a violation of the FDCPA-letters are attached as Exhibit A. 
After submitting my initial complaint to XXXX, they eventually increased my credit score by XXXX points but still never discharged this off of my credit report. Since then, they have not only kept this filed on my report but my credit score has decreased back down over 200 points. I sent notarized mail over to XXXX  on XX/XX/XXXX as this report was still listed on my credit report. Please see the letter attached as Exhibit B. 
After sending this letter, I did not receive any responses from XXXX  but this unverified debt was still showing up on my credit reports and affecting my credit score drastically. 

Since XX/XX/XXXX, I began sending out a total of 4 individual written requests with a signed notary to all four credit bureaus demanding them to provide proof of debt or delete all information since it can not be verified. I have attached all 4 letters sent to all three credit bureaus ( total of 12 letters ) which is attached as Exhibit C. Along with the letters to the credit bureaus, you will also find attached certified return receipts as proof that the letters were in fact received by them- Exhibit D. 
It is now XX/XX/XXXX, and as of today, according to my most recent XXXX  reports, this debt balance of {$7800.00} is showing up as a charge-off and a negative impact. 
You will find my Notice of Rescission sealed by the Secretary of the XXXX also attached along with my Hold Harmless agreement also sealed by the Secretary of the XXXX.- Exhibit E These credit bureaus have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA which states they must promptly delete all information which can not be verified.

I am requesting to have this charge off of {$7800.00} discharged and completely removed from my credit report IMMEDIATELY as well as have my credit score reversed back to the 800+ score I had before this unverified and unlawful account impacted my credit drastically.

Additionally, please notify me, at no charge, when this item has been deleted and discharged from my credit report. My mailing address can be found at the top of this letter.

Company response to consumer: Closed with explanation