Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I was a XXXX XXXX customer for approximately ten years. Around XX/XX/XXXX, after moving from XXXX XXXX, TX to XXXX, TX, I decided to purchase a XXXX tablet for my grandson, who was only 4 years old at the time. I purchased the tablet from a XXXX kiosk located in XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, because, as we passed the kiosk, my grandson saw the tablet and asked for it. The young salesman helped me purchase the kiosk and set it up. At the time, I paid around {$250.00} for the tablet. 

In XX/XX/XXXX, I received a bill from XXXX that included a $ XXXX charge for setting up and activating a cell phone number I did not recognize. After speaking with XXXX customer service, I was told the charge was for the cell number assigned to the tablet. I told them it was not my intent to purchase a second cell number for a 4-year-old. The representative told me to go back to the kiosk and tell them to correct the mistake, which I did. When the salesman 's manager called XXXX on my behalf in my presence, the XXXX representative, he talked to told him they would cancel the cell number assigned to the table and correct my billing. 

XXXX XXXX repeatedly refused to correct the tablet cell number 's activation charges over the next two months, which had never been used since I did not know it existed. Finally, since my 2-year agreement with XXXX XXXX expired in XX/XX/XXXX, I changed my wireless carrier to XXXX XXXX in XX/XX/XXXX while still disputing the new cell number 's activation charges XXXX XXXX. XXXX was unable to resolve the matter with XXXX to take advantage of a {$250.00} XXXX account transfer credit. 

I discovered in XXXX that not only had XXXX XXXX reported a collection account with the three major credit bureaus, but the company also reported that they charged an unpaid bill for {$650.00}. I contacted the credit bureaus and disputed the reporting. I was told an investigation would be initiated, but the derogatory item is still on my credit reports. I hired a credit repair service to help me fight the matter in XXXX and XXXX refused to correct the erroneous credit reporting despite repeated demands for proof of debt. 

To this date, this matter remains unresolved. The matter had not been resolved to this date. The credit bureaus are not reporting this as a disputed account. I was repeatedly referred back to XXXX XXXX regarding the matter since they were reporting the charge off as valid and correct. 

I reviewed my XXXX XXXX XXXX report on XX/XX/XXXX, XXXX. I discovered that XXXX XXXX assigned my account to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, MN, XXXX, who began reporting the disputed unverified and contested debt as a new charge-off on XX/XX/XXXX. I also learned my credit score had declined by over 40 points that day. 

I consider this a violation of the Fair Credit Reporting Act. I feel no choice but to request a formal inquiry into XXXX XXXX 'XXXX   violations of this consumer protection law.

Company response to consumer: Closed with explanation