Consumer complaint received 2021-05-23
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:
A walk through was completed when I moved out of my apartment with the staff present. No damages were mentioned or recorded. XXXX XXXX XXXX nor XXXX XXXX XXXX not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting. The apartment complex was also provided my forwarding address. XXXX XXXX XXXX did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. I can not dispute or pay an alleged debt I dont know about! An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. 


XXXX XXXX XXXX sent the credit bureau an itemized list that was typed up on a word document!!!! It was not in the leasing companys letterhead. Nor was it dated. Nor was it signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit bureaus to VERIFY this debt? I cant even view or dispute my credit report without proof of identification. But a NO NAMED PERSON can VERIFY *MY* DEBT? The evidence submitted I believe was fraudulent! I have attempted disputing this debt with the CREDIT BUREAU online and via mail. I have even followed up directly with the creditor. No one will VERIFY this debt or tell me the method of verification! 

I am requesting the following evidence as a method of verification or this debt deleted immediately : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances listed MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists the alleged damages that MATCHES the typed sheet of paper itemized list. 
Notice of any alleged debt from XXXX XXXX XXXX to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.

Company response to consumer: Closed with explanation