Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I'm explain my situation in a timeline for best understanding of the situation : XXXX, XXXX : I chatted with XXXX to cancel my service on XX/XX/XXXX. I have a screenshot with date confirming this interaction. ( Exhibit A ) XXXX, XXXX : I received a charge for {$100.00} to my credit card from XXXX. I called XXXX and confirmed with one of their representatives that they charge was not accurate and a mistake because my service was supposed to be cancelled. ( I had an audio recording of this call but it is now lost with a broken phone. ) XX/XX/XXXX : I disputed the charge with my XX/XX/XXXX because XXXX was not refunding the {$100.00}. ( Exhibit B ) Sometime between XX/XX/XXXX and XX/XX/XXXX XXXX sent this charge of {$100.00} to a collection agency. The collection agency sent it to an address I no longer was living at. 

XX/XX/XXXX : I was contacted by my parents that the dispute was forwarded to their address ( by using USPS mail forwarding set up by me ). 

XX/XX/XXXX : I called " XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXmultiple times with no answer, left a voicemail with no response to date. I sent an email to follow up. ( Exhibit C ) XX/XX/XXXX : My parents received another notice saying the payment was passed due. 

XX/XX/XXXX : I sent another email to XXXX XXXX XXXX  Attempted to call with no response to voicemail to date. ( Exhibit D ) XX/XX/XXXX : My parents received another notice from " XXXX XXXX XXXX '' saying my payment was passed due. Two seperate agencies contacting me at this point. I called XXXX 5  times in total, left 3 voicemails and was never responsed to. I sent an email to dispute it. ( Exhibit E ) XX/XX/XXXX : I disputed the collection with XXXX and they was found I was right in my dispute and removed it from my credit report. ( Exhibit F ) XX/XX/XXXX : I disputed the collection with Equifax. ( Exhibit G ) XX/XX/XXXX : Equifax notified me they verified that the collection charge was accurate. They give no option to dispute their findings. ( Exhibit H ) XXXX XXXX, XXXX : I call XXXX because their online dispute is offline. They say to expect results within 30 days. 

XX/XX/XXXX : I once again try to contact XXXX XXXX group by phone with no answer and no call back after leaving voicemail. I send an email. ( Exhibit I ) XX/XX/XXXX : They email me back " You are free to call us at XXXX. '' The same number I have called over 10 times now. ( Exhibit I ) XX/XX/XXXX : I email " I have called multiple times, no answer. '' ( Exhibit I ) XX/XX/XXXX : They sent back " I have shared your information with our team.. Will reach out to you as soon as possible. '' To date, I have not been contacted. ( Exhibit I ) XX/XX/XXXX : I call XXXX and try to get them to contact the collection agency. They say if I pay they will contact the collection agency to have it removed from my credit report. I pay XXXX {$100.00} because this was never about the money, I was unable to contact any collector since XX/XX/XXXX. I have a phone recording of this call but it is too large of a file to attach. 

XX/XX/XXXX : I received a letter from XXXX stating the information was accurate and that they sided with the collector.

Company response to consumer: Closed with explanation