Consumer complaint received 2017-08-02
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 status incorrect

Complaint:
I have attempted to contact Equifax disputes numerous times by phone & have been disconnected each time after holding 10-15 minutes and even over 20 minutes. There are moments of silence when it appears reps picks up line and place back on hold. The online dispute system will not let me submit b/c of incorrect info listed. Equifax lists two accounts in the amounts of {$92.00} & {$250.00} with XXXX XXXX which violates FCRA & statue of limitations do to negative account over 7 years and was re aged b/c office did not submit to insurance carrier I was insured with for payment. XXXX XXXX is also not licensed in state of FL for collections. Also other accounts are reported incorrectly by Equifax b/c the credit bureau only verifies name, dob, ssn, & address not legitimacy of debt. **XXXX XXXX {$730.00} is a fraudulent account created by XXXX XXXX in retaliation to complaints submitted to BBB & XXXX XXXX prior to. Both agencies has documentation that includes emails, hazardous living conditions, and etc. the property refused to reply to the agencies. I have emails, photos, videos, and phone records of numerous attempts to reach the management company. I contacted XXXX XXXX collection agency on XX/XX/XXXX and was informed they will not send me any invoice or proof regarding the alleged debt but expect me to pay. I have previously contacted XXXX XXXX in XX/XX/XXXX regarding this same account and both reps were rude unwilling to provide validation of debt in writing but requested I pay or threatened to put it on my credit which they have. There are numerous negative reviews over the past 5 years of XXXX XXXX that submitted the fraudulent account to begin with and she actually owes my unreturned security deposit. XXXX XXXX XXXX {$510.00} violates FCRA reporting account over 7 years statue of limitations and re aging account do to medical office never submitted to insurance carrier I was insured with. **XXXX XXXX account {$2100.00} is incorrect do to the original account was handled & satisfied according to a woman attorney in TX acting on behalf of the original creditor years ago. This account was previously updated and removed from Equifax. XXXX is attempting to profit off a debt that is not valid and never provided validation when requested on XX/XX/XXXX & XX/XX/XXXX. **Equifax has reported XXXX inquiries on credit report in which I never authorized the dealer to make. I have attempted numerous times to have the dealer update these unauthorized inquiries in which the dealership reps has replied in email they have. I have a XXXX police report # XXXX in which the general manager admitted to the officer I did not give consent and he would update credit bureaus. It has been over 4 months since the police report and the inquiries still are not removed. I have been working on this with the dealership, banks, and credit bureaus since XX/XX/XXXX. ***XXXX XXXX XXXX XXXX reporting negatively on my profile and the accounts are over 10 years old violating FCRA statue of limitations. These accounts are paid in full and I request to have removed. I request all the inaccurate info removed from my credit file including incorrect addresses and all 3 incorrect employers listed on my profile.

Company response to consumer: Closed with explanation