Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: DE
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:
I have made this dispute with Equifax on several occasion. This last occasion I submitted indisputable proof. Every 30 business days or so since the start of the new year I have disputed 3 accounts with Equifax all three are with the same company for medical bills. The debt collection agency is XXXX/ XXXX also known as XXXX XXXX and the account numbers are as follows XXXX, XXXX, & XXXX. My last dispute on XX/XX/2019 which was received on XX/XX/2019 by Equifax and was verified by a Manager at Equifax by the name of XXXX employee number XXXX, this dispute letter simply addressed the fact that the account was showing as a charge off and also was showing a past due balance which it can not show a past due if the account is charged off. It also didnt show a DOS or DOLA date, further violating my consumer rights. The open date was also showing an incorrect date for the account and with all of these things I asked them to delete the misreported account from my credit file. I also sent in a copy of checks that I wrote to the collection agency and the stipulation of cashing those checks which was to remove the accounts from my credit report and consider them paid and satisfied. They cashed those checks and did not have those files removed, they did not even update the payments that I sent back in XXXX or try to deduct that from the balances shown after they cashed the checks. The information has been updated every month for the same amount as before they cashed each check. I called Equifax on XX/XX/2019 I spoke with two agents explaining all this and they refused to help me so I asked for a supervisor I got XXXX employee number XXXX who also refused to help me after 30 minutes of being on the phone so I asked to speak to a manager.  Thats when I spoke to XXXX employee number XXXX and I asked him what the course of action is when a customer disputes an account for accuracy and provides proof what does the investigation by Equifax intel? His response like all the other Equifax robot agents is that they only initiate the investigation they dont report information or change it, so they present what the consumer says to the agency that has reported the item and then whatever the response is by that company they go with that and close the dispute. I explained how that was a clear violation of my rights given the proof I had presented, plus that fact that they didnt even update the amounts of the checks they cashed to reflect on the balance. XXXX and XXXX  ruled in my favor so how is it given the same information Equifax just goes with whatever XXXX/XXXX has to say when I clearly proved them to be reporting false information. After and hour and ten minutes on the phone getting nowhere, the conversation ended with the manager blatantly telling me that they will not change anything until XXXX updates the information and that XXXX doesnt have to prove any of what they are reporting. Its baffling to me that Eiquifax even opens a dispute at all given that they dont investigate. Something needs to be done.

Company response to consumer: Closed with explanation