Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: OH
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 have notified Equifax about two companies that are reporting to my credit file in XXXX alone : 1 ) XXXX XXXX XXXX : I have disputed this account with Equifax and XXXX XXXX XXXX - with XXXX and XXXX. sending me an error filled itemized statement as " validation '' of this alleged {$3100.00} debt. You can take one look at this statement and see that it is broken into two categories, " debts '' and " credits ''. I have tried to explain to both Equifax and XXXX XXXX XXXX that per last page on the statement sheet the {$3100.00} is in the " credits '' column. I have asked why I owe that after I had already graduated? The school I went to would not even let you go on to the next quarter if you owed {$10.00} - let alone XXXX XXXX plus and let me graduate, which I did. Per the statement on the last page is the last " business '' dealing with the school was on XX/XX/XXXX. Then on XX/XX/XXXX, seventeen months after I graduated, this mysterious charge comes up for {$3100.00}. However, in the box below the last line item on the last page of the statement is a small box with three totals that all say XXXX. There is no explanation and the {$3100.00} is located in the " CREDITS '' column. If you look at the first page of the statement on XX/XX/XXXX ( first line item entry ), there is a debit in the amount of {$60.00} for " Entrance Exam Fee '' - that is money I owe the school. The next item right under that on the same date states " Payment -Credit Card '' and shows a {$60.00} payment in the CREDITS column - showing that I paid the school that amount of money - IT IS IN THE SAME COLUMN AS THE {$3100.00}. So, I ask - how do I owe this? The last page also shows multiple line items for " Work Study Earning Payment '' which is where the school hired me to tutor incoming students and my weekly hours X hourly rate went towards my tuition - notice they are in the CREDITS column that would show that this is money that has been credited to the school. I have sent extensive evidence of this to both Equifax and XXXX with an outright refusal to remove this from my credit file. I notified both XXXX XXXX XXXX. as well as Equifax via certified mail and with detailed follow along instructions on this multiple times. 
I have disputed this account with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - with phone dispute with CSR at Equifax on XX/XX/XXXX at XXXX PM which again resulted in being told by Supervisor that Equifax has not duty to look at this evidence I sent them showing the account is in fact erroneous and invalidated. The Supervisor advised me that I my dispute was sent to XXXX and " verified '' as being mine. I asked how it was verified and could not get a straight answer out of the Supervisor. I advised her that Equifax is in violation of the 15 U.S.C. 1681s ( 2 ) ( b ) - " Treatment of inaccurate or unverifiable information '' which calls for agency ( Equifax ) to promptly delete the item of information from the file of the consumer. I asked how it could come back as correct when it shows everything explained above? Again, to no meaningful response. Therefore, there was no true investigation of the item by Equifax. This is to be deleted from my credit file in no less than 10 days. I am preparing to exercise my private right of action which allows injured consumers like me to impose fines upon debt collectors like XXXX XXXX XXXX and credit bureaus such as Equifax in this case. I will not hesitate as well to file suit against both XXXX and Equifax for negligent and reckless handling of my protected information against my good name. I have been denied car loans with the help of the XXXX XXXX XXXX 's account on my credit, as well as various credit cards - please take heed that I will request punitive damages for this as well as this has now become willfull ( XXXX v. Equifax Inc., XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 

XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ) ( The court held, " One could infer from the evidence that XXXX included incorrect data on Plaintiff 's claims report ; that Plaintiff complained about this false information ; and that after the original mistakes were corrected, more incorrect claims data reappeared on her report and remained well after the suit was filed. Based on this series of events, a jury could certainly conclude that a reasonably prudent company would have prevented a similar outcome ''.

Company response to consumer: Closed with explanation