Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is falsely reporting a medical collection for {$96.00} from XXXX that does not belong to me, that was not authorized by me, that I do not recognize, I do not owe, and could not possibly be enforced in court. 

Bottom line, I had zero doctors visits in XXXX and zero medical issues over that period. There is no way I ordered any medical services that could have given rise to any legitimate debt. 

Upon several requests, XXXX has repeatedly refused to provide any specific proof and medical records to validate this alleged collection -- in particular, they have provided no : ( 1 ) details of the contract underlying the alleged amount, ( 2 ) proof that I ordered any medical services, ( 3 ) substance and details of the medical services that are alleged to be ordered, ( 4 ) substance and details of the doctor that ordered any of these alleged medical services, and ( 5 ) substance and details of any medical conditions that would warrant or be associated with the medical services they allege were ordered.
In addition, they have provided no proof the alleged medical services were in fact delivered and received, and that the alleged medical provider in fact performed and completed their duties under the alleged contract. That is a required and critical element of a valid contract -- without that, there is no contract. 

Having possession of some of my personal information does not verify this alleged debt ( e.g. social, address, name ) as that does nothing to substantiate the particulars of their claim. Moreover, i was one of the consumers whose personal information was hacked and compromised by Equifax -- and therefore a higher standard of verification is required. 

They have continuously, prejudiciously and illegally continued to verify this alleged collection with Equifax, knowing full well that ( 1 ) Equifax 's verification standards are extremely lax, ( 2 ) that they outsource their collection efforts to minimum wage employees in the XXXX and XXXX with limited command of English, ( 3 ) they routinely ignore consumers ' disputes and only superficially investigate, if at all, ( 4 ) they have routinely breached consumers ' data privacy and rights  under the Fair Credit Reporting Act, and ( 5 ) they have been repeatedly reprimanded by state Attorneys General and federal agencies. 

XXXX is reporting this alleged collection to Equifax in order to wrongly extract payment on a note that it specifically knows, and should reasonably know is unenforceable and is invalid. 

XXXX and XXXX very quickly and expeditiously deleted this collection account when challenged. 

I ask that this collection notation be removed from my credit report immediately, that XXXX cease and desist, and that it agrees not to on-sell this incorrect collection. 

Details of notation on my Equifax credit report XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; Original Creditor XXXX XXXX ; Amount {$96.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$96.00} ; Individual Account ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX DE XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation