Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
State: CA
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:
Since XX/XX/XXXXI have been disputing an illegally placed collection account on my file and Equifax is violating my investigation laws and is overlooking FDCPA laws and they are refusing to remove this account form my credit report. I have attached the original collection from XXXX XXXX as it appears on my credit report and i have also attached Equifax 's horrible and disregarding response to me. I have asked repeatedly to know what account is and why I am in a XXXX debt when I have CALIFORNIA Medical. I pay nothing out of pocket medically as I am qualified for Medical from my state because I make under the poverty line in my work. I have never had a medical debt and I have never visited any lab. This account from XXXX XXXX  is either a scam of a company that places fake collections against people after they fail to properly bill or they have failed to follow the FDCPA laws in notifying and verifying every detail with me before placing collection against me. Either way Equifax and XXXX XXXX are abusing their power and have DAMAGED and TARNISHED my perfect credit report and I am going to sue both of them. 

~~~~~~~I disputed with XXXX XXXX first via the CFPB website as I received a notification in early XX/XX/XXXX that I had a collection mysteriously placed against me and they claimed through the CFPB website that they did NOT own my debt and had no idea what this was. SO then I went to dispute this with Equifax on the same forum and they are STILL claiming on my timeline of complaints that they are " working of my response '' ... .Recently I received a letter in the mail ( Please see attached ) dated XX/XX/2018. Referencing complaint # XXXX. In it they claimed to have verified with the mysterious company that this debt belonged to me. 

Please see where I have highlighted that false claim : They claim " Additional information has been provided from the original source regarding this item ''. WHY for months was this source not mentioned in my credit report? Why was it miraculously placed their now? I have been in dispute with this account for over 60 days and neither me, nor the CFPB were able to connect who this company was and where they were and how they had my information. WHAT original information did EQUIFAX claim to have verified? Where is it? Who did they speak to? 

PLEASE ANWER MY QUESTIONS EQUIFAX! XXXX WHY DID THIS COMPANY NEVER CALL ME, EMAIL ME, WRITE ME A LETTER OR EVER VERIFY THE DEBT BEFORE PLACING A COLLECTION AGAINST ME!??????? 

DON'T you know that those are all violations of FDCPA laws? 
DID I not ask you to investigate their unlawful behavior? 
If you can not verify and SHOW me who these people are, whom you spoke to and which documents you used to supposedly verify me I am going to SUE you! I see why everyone is suing you, you guys are all scamming people and ruining their lives. This ridiculous/fake/ illegal account cost me 160 points!

1 ) Why was this address/phone number not provided before?

2 ) Don't you know it is illegal to place a collection without verifying a debt, warning a consumer and waiting 180 days before letting it get reported?

This is strictly a company that cuts corners to get money fast and illegally. They can not and will not get a cent form me and they are a shameful company and Equifax is supporting their illegal practices!

Company response to consumer: Closed with explanation