Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: FL
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:
Equifax consistently disregards the FCRA laws surrounding proper investigation into Consumer disputes. They simply update the status as debt valid usually the same or very next day dispute filed. They do not investigate disputes, they simply label them as Verified. They do not provide investigation results and never reply to Certified Letters sent requesting documents/information obtained in their investigations or rather proof of their reasoning since no investigation can be conducted in a 1 day timeframe. 

I have 2 major issues I can not get remedied through my many attempts with this company. This is my last attempt before formal litigation. 

They are reporting 2 fraudulent Collections Accounts on my Credit Report. 

1. Collection Agency : XXXX XXXX XXXXXXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$20000.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX Date of First Delinquency : XX/XX/XXXX First of all, this account was paid in full by OurXXXX pandemic rental assistance program under Covid CARES ACT. I contacted the reporting agency representative and furnished all information proving the account was paid in full, a copy of cashiers check, ledger from property management and proof check was cashed. The representative did not return my many calls and within 2 days from my initial request for debt validation, he immediately listed it on all 3 bureaus, reaging the debt by over a year and inflating the amount due )! 
This fraudulent tradeline breaks the FCRA laws ( disregarded my dispute of debt ) Novemeber XXXX Cares Act prohibiting reporting of XXXX XXXX XXXX when tenant and lanlord signed application to receive payment of back rent from the XXXX XXXX XXXX XXXX. I sent proof via Certified Mail which was disregarded by the company. 

I also sent all indisputable proof to Equifax who did not even process my dispute! 

2. Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$130.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX This debt does NOT belong to me. I contacted the reporting agency who confirmed the SSN, DOB and personal address information was indeed notmine. I was assured the matter was closed and would not be reported to any credit bureaus. When it showed up, I was told it would be deleted immediately. To date, the fraudulent tradeline still reports on my Equifax report. I have called the company countless times and only receive voicemail, no one returns my calls. 

Equifax is the only bureau to verify the above Collection accounts verified " As Accurate ''. 

My past Equifax Investigations : ( no investigations performed, closed out the same or next day! ) Confirmation number : XXXX Submitted : XX/XX/XXXX Investigation Completed XX/XX/XXXX ( 1 day ) Confirmation number : XXXX Submitted XX/XX/XXXX Investigation Completed : XX/XX/XXXX ( same day investigation ) Confirmation number : XXXX Submitted XX/XX/XXXX Investigation Completed : XX/XX/XXXX ( 2 day )

Company response to consumer: Closed with explanation