Consumer complaint received 2021-03-09
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:
Yes I have tried disputing this with Equifax, XXXX, and XXXX  for years. I have never opened an apartment in the name XXXX XXXX. I was never old enough to have an apartment in my maiden name. I didn't move out til I was married and my name on my first home was XXXX XXXX. I haven't lived in XXXX XXXX XXXX. Look at my past addresses on my report!! I have no clue what this is. I have really started trying to fix my credit. I have absolutely no other collections. I am usually not late on anything. It's the only collection that I have had. Because it isn't mine! I have certified mailed multiple letters to the credit bureaus asking for them to investigate. All that they do is send me a statement saying it was verified and I owe the money. It is my legal right to request the documents that they used to verify this debt. I have NOT gotten anything from the bureaus or from the collection company verifying this debt. I have never seen my signature on anything. I have begged and begged these companies to fix this. And they just keep coming back as verified. Without sending me proof! All that they do is send me a letter saying it's verified. And they are also reporting different information. I printed out all 3 credit reports and I circled where each bureau is reporting different information. And they still are reporting different information. This collection company keeps changing the amount of money owed too! They will report that I paid {$13.00} and then the next month add on {$13.00} and the next month say I paid {$13.00} and it goes back and forth because the collection agency knows what they are doing! I never paid anything because I do not owe them anything i do not know this apartment or the company! They are trying to keep saying i paid/owe more money each month so that my credit score can fluctuate. And the credit bureaus allow this! I will attach the letters that i have sent to the bureaus regarding this same issue over the last year. One bureau ( XXXX ) says that this collection is closed. And my credit report says i have 0 collections. But then XXXX  and Equifax has these accounts opened and are reporting either that I paid or owe more money each month. If I am allegedly paying {$13.00} one month and then owing {$13.00} the next month with equifax then how come the same isn't being reported to XXXX ( because they closed the collection on that credit report ) and XXXX doesn't report this back and forth {$13.00} charge. The bureaus even have different charge off dates for this account. I thought legally, per the FCRA, that they all had to report the same exact information to legally put it on my credit report. And if they don't then they have to legally delete this from my report? Why are laws not being followed? I sited many of these in the letters that I sent to them. I have attached the two letters I sent requesting documents and stating laws they have to follow. I have also attached the receipts where they have received these letters.

Company response to consumer: Closed with explanation