Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: WA
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:
There is one debt collection account from XXXX XXXX XXXX on my Equifax Credit report, which leads to my credit score too low XXXX XXXX XXXX to do refinance for my mortgage. I have tried dispute with Equifax but still they think it's my account. 

Here 's why this shouldn't be on my credit report and why it's not my account ( have shared the details with Equifax when I first started the dispute ) : 1. that account has been paid in full. Was it I who paid for it? No. So it's not my responsibility. 
1. that debt is for a health care bill which is a WORKERS COMPENSATION and it's not me who's responsible or who paid the account. During my doctor 's visit I've already filed it as workers compensation with the hospital and did all the documentation stuff. 
My manager back then didn't know about how that works and thought it would be figured out by insurance company automatically and thus caused delay in process which result in this situation. I don't believe I should be responsible for any of this. 
2. That account has already paid in full by my employer with the hospital 2 years ago.

3. I called the debt collection company XXXX XXXX  XXXX multiple times regarding this to get this fixed and they just keep saying " it's you its you its you ''. Completely non-negotiable. There's no so called " pay to delete '' option for me because first I didn't pay for the account/ bill, secondly that was settled between my employer and the hospital. I am not in the picture there. 

I hate to mix things together but I really want to mention XXXX XXXX  XXXX  debt collection company is truly evil. That medical bill was around {$200.00} and had the length of history only around 1 year. They also sued me for it back then. They are absolutely crazy. 

For the situation I'm having right now, NOT because of some my bad behavior or my wrong doing, I've suffered so much because of what XXXX XXXX  XXXX debt collection company did, including but not limited to : a. back in year 2018 when they sued me, I took several days my personal paid vacation to try to fix the issue. I believe that should be considered time loss. 
b. also fees spending on documents printing for responding to the lawsuit, transportation ( also parking ) to communicate with them, to deliver those paper docs, cell phone fees all that. 
c. not able to refinance for my mortgage. 
d. all the mental stress I've been through and all the time and effort I spent try to reason with them and fix it right. 
I didn't start any lawsuit against them to get ask for compensation because starting a lawsuit is very costly for me as an individual but so easy for them as a company. 
( btw you can try call them or deliver doc to their door, they're super rude. That attitude makes me feel like I'm guilty, I should be ashamed. Not even just a " suspect ''. I don't understand why or what right they are entitled to do all these ) Yes when people own a debt then people should pay. But let 's be honest, regular medical insurance claims can take up to 3 months to finish processing according to my personal experience. Who the XXXX would sue over a medical bill around {$200.00} with only 1year~ish history?!!! 

Sorry for bragging. The main issue here is still " this is not my responsibility and should be taken off from my record ''. I simply couldn't help myself getting angry here.

Company response to consumer: Closed with explanation