Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I contacted Equifax Credit Bureau about XXXX XXXX XXXX XXXX XXXX XXXX they reported a False Eviction on my credit report and now they have changed the status to unpaid rent Amount : {$5900.00} as of XX/XX/XXXX Date of 1st delinquency : XX/XX/XXXX. Please know that this is false and I have been repeatedly requesting the credit bureau to obtain copy of the verification letter for seven years that this has been on my credit. 

In addition, I had applied for a Writ and paid rent through the court I had Legal Aid, XXXX, XXXX XXXX, Code & Compliance and even had City of XXXX XXXX XXXX representative XXXX XXXX. I was able to pay rent to the court and leave and the judge ordered the matter dismissed especially since the landlord never showed up in court. 

I requested Certified Copy of The Case File regarding all proceedings regarding this fraudulent landlord tenant matter. 

I have never been involved in any court matter other than the Writ. 
Please view copy of the Certified Copy of Case File and remove this off my credit file because this is abuse of power, discrimination and above all things fraud. 

XXXX XXXX has now added more money to the balance to over {$6000.00} and fraudulently reported it to my credit report as though we have been in communication w/on going billing issue. The landlord is a XXXX who refused to repair/remediate the mold in the apartment, so I moved out with the use of a Writ and the court released the funds to XXXX  & attorney years ago. 

I would like to also report the corruption of landlords unscrupulous tactics to retaliate because I complained and did not renew my lease and moved out. 

I believe the statute of limitations has run out and he is attempting to restart the clock on his Fraud. First, XXXX was listed, then it was XXXX XXXX as an Eviction : Where is the Certified Copy of the Court File with signed order from the judge. 

Now XXXX lists XXXX XXXX XXXX a new collection agency on my credit file as an on going delinquent account which states that : Consumer Disputes after Resolution. What resolution we have never spoken or had any interaction after the Writ was filed with the help of XXXX XXXX of North Carolina. 

Equifax has failed to accurately investigate provide evidence that this account is mine, no signed contract, statute of limitations is running out and for 7 years has not obtained the Certified Copy of Court File. I am dealing with family emergency after the lost of my sons father due to XXXX. As a result, of this fictitious false eviction which is now being allowed to alter it to delinquent rent. 

My son and I are financially impacted due to COVID but we can not move on with our lives as a result of this XXXX 

I am unable to secure a new place to live as a result of the fraudulent reports on my credit file from this landlord. 

In addition, to identify theft as well as the false reports of crimes on my credit report. Please review the identity theft letter as well as other information regarding this landlord. 

I have forwarded all my information to the credit bureaus about the identity theft, copy of records which shows that I paid my rent directly to the I researched online and found requirements for Information Furnishers My landlord/businesses that provide information to the credit bureaus, or information furnishers, also have legal obligations : I have been asking for this for 7 years without success. I feel like I am being ignored please pull the calls and see for yourself. 

I was never notified of any negative items, no updates were made on the credit reports periodically regarding any payments or delinquencies because he was allowed to just throw in on my credit report without copy of Certified Copy of File from Court. 

No evidence or reports were presented and please know I am treated as though I am the wrongdoer or criminal and I am denied request for copy of the records provided by my landlord to prove the debt is mine. Please pull the call from Equifax XX/XX/XXXX where I was told they do not have to provide me with anything. I must provide the records and if I dont it will stay on my report and will not be removed. I am powerless because I have submitted numerous documents to the credit bureaus, federal trade commission, police and all agencies regarding this matter without any resolution from Equifax. Please know that XXXX & XXXX have been working with me and correcting items, which we are still working on currently. 

Please know that I sign any authorizations to permit anything to be added to my credit report. The credit bureaus are in violation of the No Surprises Act. 

I was not about any negative information reported to the credit bureaus within 30 days from anyone. The landlord & I did not sign any contract for any outstanding bill, permissions for debt to be transferred to another creditor/collection agency. 

Please contact me regarding this matter at ( XXXX ) XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation