Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: CA
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:
On   XXXX   XXXX   XXXX   I disputed with   XXXX   XXXX   XXXX   XXXX    reporting of a collection account, stating that I owed {$150.00} to  XXXX . A digital copy of the letter is attached.
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  XXXX    advised me in tape recordings on   XXXX   XXXX   XXXX   that I do not owe this balance and my account was paid in full.
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In   XXXX   XXXX   I noticed the  XXXX  account still on my credit report, so I called   XXXX   on the phone. I was advised that my balance was {$97.00}, however they could not email me paperwork showing that balance - I would have to physically go to a   XXXX   store. I then went into  XXXX  in  XXXX , CA to resolve the matter. I was informed by the representative that I had an outstanding balance of {$97.00}, NOT {$150.00} ( confirming the information given to me via phone ). I immediately paid the bill, even though the service was provided for a new tenant, as I had already moved out of the apartment for that billed service period. At this point I did n't care about losing the money, I just wanted the item off my credit report. I was informed by the manager that  XXXX  would no longer be reporting, as paying the account stopped further collection activity and the information would be removed from my credit report. Attached is supporting documentation indicating my account balance was {$97.00} and a copy of the receipt for payment directly to  XXXX .
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On   XXXX   XXXX   XXXX   I sent dispute letters to Equifax,  XXXX , and  XXXX  disputing the information that   XXXX   XXXX   is still reporting a {$150.00} balance. Attached is a digital copy of the letter. I sent all firms copies of my account balance stating I owed {$97.00}, not the {$150.00}  XXXX  was reporting. I also sent all firms a copy of my receipt for payment directly to  XXXX .
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I received a copy of my Equifax credit report ( provided by Equifax, pulled   XXXX   XXXX   XXXX   ) indicating  XXXX  was Paid, and the last payment date was   XXXX   XXXX  . This report was received as a result of the aforementioned dispute. This is absolutely false as I never paid  XXXX , I paid the original creditor.   XXXX   can not report that they were paid, as no payments were processed or paid to  XXXX . Attached is a copy of the Equifax report received.
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Equifax and   XXXX   XXXX    are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, specifically : FDCPA violations : - 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; - 15 U.S.C. 1681i duties of furnishers to provide accurate information.
- 15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.
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Because both firms have not removed this negative information, this matter has been turned over to my attorney for review and legal action is forthcoming in federal court with additional counts as follows : - 15 U.S.C. 1681n Civil liability for willful noncompliance - 15 U.S.C. 1681o Civil liability for negligent noncompliance On   XXXX   XXXX   XXXX   I sent a document to both   XXXX   XXXX   and Equifax informing them of their continued federal violations as shown on the   XXXX   XXXX   XXXX   Equifax report. I also notified both parties that a complaint was filed with the Consumer Financial Protection Bureau.
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I authorize CFPD to publish this description so that others may learn from my experience and see how   XXXX   XXXX   XXXX   and Equifax are choosing to violate federal law despite numerous attempts to reconcile the situation out of civil court.

Company response to consumer: Closed with explanation