Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My issue is that the debt collector nor the creditor never sent me the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating that I would have 30 days to dispute the validity of the debt. I never received any letters or notices for the collection agency or the original debtor until three months after my personal visit to the creditor to obtain a ledger regarding my balance. I approached them because I was in the process of trying to purchase my first home, and I am working with a Consumer Credit firm to repair/ rebuild my credit. There was gross errors on the ledger I obtained during my visit on XX/XX/XXXX, where i was advised My balance owed was {$1900.00} as to which despite receiving no responses. They proceed to sale my balance to a Collections company whom then reported to my credit on XX/XX/XXXX without written notice to myself regarding the balance. They did not attempt to send a notice of collections until XXXX XXXX. After they were reported for using false information ( balances owed and lease agreement of another resident ) I broke my lease due to do neglects from the landlord and they broken end of the contract. I started my tenure at XXXX XXXX XXXX XX/XX/XXXX I resigned in XXXX SC prior to relocating to XXXX, SC for employment due to recent storm I was not allowed access to view the property prior to signing my lease, upon receiving the keys I was advised I would receive a formal walkthrough of the residence, as to which failed, I was then advised to complete the wall thur on my own and submit the documentation and any listed repairs would be completed in a timely manner. The requested repairs were never completed but not limited to just the Air conditioner and filter replacements. I reported several violations such as but not limited to Dysfunctional Plumbing Fixtures, presence of Mold, Pests ( roaches & bedbugs infestations ) and gross Structural Issues. When I moved from the residency I was aware of a balance, that should not have been owed due to the gross neglections of their duties as a landlord especially when I paid all balance owed against my better judgement they should have been rendered full rent if they were not doing their part to maintain their property within Health Code regulations. I never received any information from them regarding the balance owed until I approached them myself in XX/XX/XXXX, as I was working with a Mortgage Agency to clean up my credit after my divorce so that I may be able to continue my goal of homeownership. I had prior to my visit to the offices in person, asked several times for a copy of my ledger so I could confirm the balances owed so that I could work with a debt consolidation firm I nor the agency received a response from XXXX XXXX to confirm the balance as the ledger was not clear due to the charges being added and removed, added and removed again, we wanted a detailed explanation of the charges as we wanted to render payments on legitimate charges. I did not received notice until a collections company posted XXXX XXXX with a balance owed of over {$4100.00} which is a far cry from the balance that was showing my signed ledger of {$1900.00}. Despite various dispute and request for litigations with the complex. I have not received any responses despite I moving forward with a active payment arrangement plan in place. They still continue to report this balance to all three-credit agency despite submission of false information. the ledger and lease submitted to the collection agency ( XXXX XXXX XXXX , XXXX ) I submitted a formal dispute to CFPB whom responded that they closed and sent to regulator FTC as the rental company and collections agency have failed to response.

Company response to consumer: Closed with explanation