Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Problem with a credit reporting company 's investigation into an existing problem Originally my issue was : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request VALIDATION of the debt the consumer claims that that I owe you. Ive requested proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. It was NOT a request for verification or proof of my mailing address, but a request for VALIDATION ( as shown in my letter dated XXXX XX/XX/XXXX XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that the consumers offices provide me with competent evidence that I have any legal obligation to pay them. Attached you will find documentation of this consumer : Falsely giving random numbers of debt Falsely creating fraudulent invoices The original invoice does not contain my name or information at all Not being able to provide me with a copy of any viable evidence, contracts bearing my signature and additional proof that I agreed to this accounts creation. Till now, They have continue to report invalidated information two major credit bureaus ( Equifax ), this action constitute fraud under both federal and state  laws. Due to this, negative mark was found and continued to report on my credit reports by XXXX XXXX XXXX and have established a Violation of the Fair Debt Collection Practices Act and Defamation of Character. The bureaus have not been able to elaborate on the method of validation. Ive only received 3 out of 8 times that it was VERIFIED. There has been 5 out of 8 times where I have not received a response at all. This account obviously can not be VALIDATED and I want this account REMOVED from my credit report. Their response was : Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB XXXX XXXX. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated that you have requested proof that an account belongs to you but have not received any evidence. You would like the account removed from your credit report. Our research indicates that you contacted us previously to request a reinvestigation regarding the disputed item. We had previously placed the item under reinvestigation per your request, on XX/XX/XXXX. The data furnisher responded and verified that the disputed information was accurate as reported. The results summary was sent to you for review on XX/XX/XXXX. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Equifax for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The XXXX XXXX XXXX XXXX, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Equifax. THE PROBLEM : I have provide evidence that : this consumer could not provide this unverifiable debt belongs to me. this consumer has increase this unknown debt upon the first dispute on the account. this consumer sent invoices showing random numbers with the first invoice, not even showing my name. Equifax only updated an amount that the consumer reported without a thorough investigation. I know it wasn't thorough because I've provided proof that this company has been reporting false amounts and payments when I'VE NEVER HAD ANY ACKNOWLEDGMENT of this account. Equifax has not provided me information on how they've talked to within this company, what documentation they have on file that shows my original signature, I'M POSITIVE they can not show any transactions to support these false amount. This account SHOULD NOT be on my report and has exhibit a defamation of character. I WANT THIS ACCOUNT REMOVED.

Company response to consumer: Closed with explanation