Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$310.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX XXXX XXXX. I CALLED THE COMPANY IN XX/XX/XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$310.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$310.00} FROM MY DEBIT CARD.THE PAYMENT WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO DELETE FROM MY CREDIT REPORT AS AGREED ON RECORDING FOR THE SETTLEMENT AMOUNT. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE THREE MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, BECAUSE THE AGREEMENT WAS AS LONG AS I PAID THE SETTLEMENT AMOUNT THE COMPANY WOULD REMOVE IT FROM MY CREDIT REPORT. I WAS TOLD THEY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ON XX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ON XX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING IN XX/XX/XXXX MAKING THE FULL SETTLEMENT AMOUNT AS AGREEED. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CAN NOT GET A FEDERAL JOB TO SUPPORT MY FAMILY AND TO PURCHASE A HOME. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY WOULD REMOVE THE PAID ACCOUNT. I HAVE ASKED FOR A COPY OF THIS LETTER THEY RECEIVED FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED WITH IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE REACHED OUT TO ME AFTER TAKING MY PAYMENT AND AGREEING TO REMOVE THE ACCOUNT AFTER THE PAYMENT CLEARED AFTER REIVING A LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.

Company response to consumer: Closed with non-monetary relief