Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: NV
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:
On about XX/XX/XXXX XXXX XXXX posted a collection with the credit bureaus, on XX/XX/XXXX, I contacted them to request a debt validation thru certified mail no : XXXX XXXX XXXX XXXX XXXX that they received and signed XX/XX/XXXX. 
On XX/XX/XXXX I received bill showing partial payments with the co-payment I paid at the office on XX/XX/XXXX {$50.00}, Insurance payment on {$150.00}, Insurance write-off {$1400.00} due to an agreement between XXXX XXXX XXXX and the insurance company but doesnt show the payment I made on XX/XX/XXXX for {$20.00} on the day of the service. The bill provided by XXXX clearly shows that I had already satisfied this account even when XXXX XXXX XXXX is not reporting the {$20.00} payment they received from me on the day of service. 
So, as per the bill provided by XXXX, this account was paid in full by XX/XX/XXXX before XX/XX/XXXX when XXXX acquired the bill as you can see by the record provided by XXXX XXXX. 
I had provided XXXX XXXX with bank statements showing payments made to XXXX XXXX XXXX on XX/XX/XXXX on my XX/XX/XXXX bank statement page 3 for {$20.00} and XX/XX/XXXX bank statement page 1 showing two payments made to XXXX XXXX XXXX for the amounts of {$30.00} and {$20.00} by certified mail no : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX followed with a regular mail as well , delivered by USPS on XX/XX/XXXX. 
Some XXXXne has the record wrong but clearly that is not me, I had provided to Equifax and XXXX XXXX with physical proof, copy of the bank statements showing payments made by me and I provided them with copy of insurance settlement. 
If we went fallow XXXX XXXX bill statements, them that would show that I overpaid, and that XXXX XXXX XXXX owe me {$20.00} and that is by the statement provided to me by XXXX XXXX. 
So, I dont understand where is that Equifax find that this account was verify, Equifax dont want to provide the time require to truthfully investigate the truth and choose to continue reporting inaccurate information. 
Equifax is the worst out of the three bureaus, because they lie about having verified my dispute, but how can that be, when I had provide Equifax over and over with the proof that this account was paid in full or they must hired people that cant read, I had contacted XXXX, XXXX with the same facts and they have corrected my report. 
XXXX XXXX also had chosen to ignore the truth and had not responded to my last letter on XX/XX/XXXX, as today they continue to report this account knowing that this account was paid in full already and they know this because I provided them with proof and their own bill statements would support my case. 
On XX/XX/XXXX I contacted them again and requested they clear my name with Equifax, course no responses again. 
Their careless attitude and gross negligence in failing to report the truth had cost me money and aggravations. 
Many American consumers are victimized by collections agencies like XXXX XXXX and Equifax who ignored the truth for their conveniences. These conducts also cost the American consumers billions in higher interest rates. 
I dont understand why the government dont act against company who choose to ignore the law for their conveniences. 
The Consumer Financial Protection Bureau is aware of Equifax attitude in refusing to correct inaccuracy in consumers files, I read many other complaints filed by other consumers for the same reason, believe me that something must be wrong with Equifax way of reporting, this company cant be trust it with American consumers persona information when they are refusing to see the truth. Is very frustrating as a consumer to fight this big company, because your life is on the hands of Company like Equifax. 
I understand that XXXX XXXX had purchased the useless bill and they want to recover their money from anyone at any cost but when they refuse to see the truth there are hurting American families. 

XXXX should go after XXXX XXXX XXXX for selling them a useless collection account and for not providing them with the facts.

Company response to consumer: Closed with explanation