Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. FL XXXX I have had no credit, no consumer credit for over 20 years. 
NONE. I own my property, I own my XXXX XXXX. I am attending school at XXXX University and started in XX/XX/XXXX/XX/XX/XXXX. My loans were approved, my current funding for XX/XX/XXXX/XX/XX/XXXXis approved. 

My son is attending XXXX University, in XXXX Virginia. I got parent plus loans for his college for XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX, with my credit report. 

Suddenly this semester, the Equifax and FAFSA Student Loan people are stating that I have what they told me the first time, was a bill for XXXX from XXXX XXXX XXXX. I have not had XXXX XXXX XXXX phone service. I have XXXX XXXX XXXX Internet, currently, and the bills are current, I have XXXX XXXX XXXX XXXX XXXX XXXX, and am current. 

I have XXXX XXXX Cellphone Service, for myself and my son, have used them for approximately 5 years. 

This debt did not show up on any prior credit report when I got his student loans, through parent plus for XXXX prior college years, and it did not affect my current college loans, I have my loans and no problems. IT is the same credit report. The parent plus loan for him is based n my credit report. Also, the exceptions policy states if it is not over 2500 then they still give you the loan. 

I used the credit link they sent me, FAFSA, and Student Loan.gov, and accessed what they said was a free credit report. I filed the disputes to any inaccurate reporting, which was some medical bills, that should have been paid by insurance but were n't filed correctly. 
and the XXXX XXXX XXXX. 

It was supposed to be a free credit check, if you were denied credit, but they required a credit card. I have prepaid cards I load and use every month instead of credit cards, which I entered, and I see they have charged me {$40.00} off my card I entered for the credit report. 
The Student loan and FAFSA website clearly stated it was a free check and provided the link. 

The issues I have encountered in the past, is that these corporations and companies will sell their debts to collection companies. Then that company will report the debt, sometimes multiple times on the same debt, chasing the balance by a $ dollar. When asked for any original contracts to verify the debt. They refuse to give it and then will report again, just to harass you, by putting multiple reports for the same debt. 

Then they will sell that debt to yet another collection agency, who then reports it again, like it is yet another debt, changing dates and amounts by a dollar or two. 

I have one from XXXX XXXX, that I had an account with my ex husband with, which was filed in his bankruptcy in XX/XX/XXXX. They still continue to put that debt on my credit report, and over the years, they have done this reporting the same debt numerous times. 

I am getting calls that are harassing me, from some collection company stating I have a violin that I owe money for. I have no violin. I have no idea, I will block the number and they call from different numbers stating it is from different cities all over the US. 

They constantly harass me, then argue when I say it is not my debt, never had this, wrong party, then they start threatening me with a tracer service, trying to serve me with something. This is the worst harassment I have ever seen. They refuse to tell me who they are. 

I think they are messing with my cell phone, because my phone started cutting off like someone else was controlling my phone. And weird things happen when they call, though they are blocked, ike they are getting around the blocked number. 

My son currently owes XXXX for this semester of college. He can not register for college for XX/XX/XXXX because the parent plus loan is denied for credit bureau issues. If this bill was on my credit why did they prove me for loans for XX/XX/XXXX, XX/XX/XXXX and approve my own college student loans? its the same credit report. This has happened suddenly, this semester, when the parent plus loan was suddenly not given. He is attending XXXX University in XXXX VA. In XX/XX/XXXX, if I do n't get the funding for him, parent plus loan, he will have to quit college and move back home, then I will have to start making payments on the 2 semester loans we owe for and he will not have a college degree. 

I am taking online classes, and I have direct and indirect loans for my college tuition, and books, etc .... No problems with mine, but the parent plus loan for his tuition, is suddenly denied based on an equifax credit report issue where a bill for XXXX XXXX XXXX has suddenly appeared without any reason, can not be proved and that I do not owe. 

They refuse to correct it. I can not get through to anyone in person at either FAFSA, studenloan.gov or Equifax to get it corrected or even get answers, just the same repeated message contact the credit bureau.

Company response to consumer: Closed with explanation