Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: WY
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:
This is a complaint against Equifax and the XXXX XXXX. Together these entities have fabricated a debt which was never due, which the actual creditor has agreed in writing was never due, and then, with full knowledge that there was never any debt due, which they intentionally and willfully refused to remove from from my Equifax credit report. 
As a result, for the first time in complainants XXXX years, he has been denied the extension of credit. On XX/XX/XXXX, XXXX XXXX XXXX, explicitly stated the reason for the denial was Credit report shows recent delinquency, public record or bankruptcy. The only alleged delinquency ever in my credit report is the sham prosecuted by XXXX XXXX and retained after notice of falsity by Equifax. 
The amount Equifax and XXXX XXXX claim is owned to XXXX XXXX creditor-assignor ( XXXX XXXX, XXXX XXXX XXXX ) is small, {$87.00} ; and the identical, false negative report by XXXX XXXX has been deleted by XXXX  ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ), after they received the same information served on XXXX XXXX and Equifax. 
I am pursuing this complaint, however, because if ever there was an example of unscrupulous dealings this is it. XXXX XXXX assignor stated in writing months ago that I didnt own it anything ( XXXX XXXX XX/XX/XXXX ). XXXX XXXX has been asked twice, in writing, to delete the inaccurate report. Instead it then verified the false report to Equifax, weeks after it wrote me stating that it had ceased collection and returned account to the creditor ( ( XX/XX/XXXX ). 
Worst is what Equifax has done. It had a straightforward letter from the creditor stating I owed it nothing and another from XXXX/XXXX  showing that the creditor had been paid and that I had never had a financial obligation to this creditor ( XX/XX/XXXX ). I dont know what response Equifax had from XXXX XXXX. But even if XXXX XXXX falsely reported that the debt was valid and unpaid, how could anyone accept that claim against the word of the actual creditor and a respected health care insurers statement that I had no debt to the creditor. 
This is NOT a case of a debt that has been paid or settled. There never was a debt. That is the importance of the two year old XXXX/XXXX document ( XX/XX/XXXX ). It shows that immediately after medical services were provided, Medicare and XXXX paid the health care provider ; that the provider accepted their payments as payment in full ; and that there was XXXX due from me. 
Through ignorance or accident, the health care provider resurrected the claim a year and a half later and sent the unpaid claim straight to its bulldog collection agency, XXXX XXXX. Following its standard practice XXXX XXXX commenced by reporting this as non-payment of a two-year old debt. 
When its creditor received a copy of the XXXX/XXXX document, it immediately admitted that nothing due from me ( XXXX XXXX XX/XX/XXXX ). XXXX XXXX, however, doubled-down by reporting the claim as valid while telling me it had dropped the claim. 
Equifax had to choose between two irrefutable written statements that the claimed debt was false or the unsubstantiated verification of a collection agency with perhaps the most consumer complaints on file with the Consumer Financial Protection Bureau ( CFPB ). 
Equifax sided with XXXX XXXX : The information you disputed has been verified as accurate. ( XX/XX/XXXX ) Almost worst, Equifax updated the delinquency. To give its validation the appearance of an in-depth review, it corrected the amount and raised it from {$87.00} to {$88.00}. Equifax did not even include my information to reflect that it was a disputed claim. Instead, I had to commence an entirely new process and maybe it would put my position along side that of a shyster. 
If this is how the system works then the entire system is a fraud. Both Equifax and XXXX XXXX should be held accountable.

Company response to consumer: Closed with non-monetary relief