Consumer complaint received 2023-06-26
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:
The credit bureaus continue to report a collection " XXXX XXXX XXXX '' on my credit report which is 100 %, not my debt. 

I have sent them numerous letters in recent months and still, they have failed to even provide me once with any findings and documentation supporting the outcome of the investigation. 

under the FCRA they are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified that the debt is valid '' and that these items are being reported correctly Who verified these accounts? they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information relating to " XXXX XXXX XXXX '' Collection. 

IN FACT, I HAVE PROVIDED TO THE CREDIT REPORTING AGENCY ALL DOCUMENTATION WITH PROOF THAT IT IN FACT IS NOT MY DEBT. 
I have provided documents to show that I am a Florida resident since 2020. My drivers license, utility bills, as well as MY FLORIDA HOME LEASE AGREEMENT SHOWING THE EFFECTIVE DATE. 
Why would I be liable to pay somebody else 's Utility bills for their property while I am not even living in the same state? because I had rented the property previously long before? 

Right now as of the past week, the Collection was not showing on my report because I filed another request and it got removed this month. however, it was already also removed before and then was reported again.

most recently I mailed the 3 major credit bureaus another letter demanding the validation documents of this collection that they said they verified. 

XXXX responded to me that they verified that I have received goods or services and therefore they will keep it and it's valid. 
But again, without providing me with any documentation or proof of what's backing that this is my valid debt. 

What goods have I received? I clearly sent them proof of my house rental contract of Florida, I have a Florida license, I sent them a XXXX bill of my Utility bills paying in Florida for my house. 

So what exact goods or services have I received in a house that I had nothing to do with in NY? 

This is bizarre and it's highly damaging me. 

My credit report can proof that I never ever miss payments and have a 100 % on time payment history. 

Why would I be responsible to pay someone else 's house Utility bills in a State I had nothing to do with at the time. 

And still 8 months on my report, valid valid valid but not XXXX single document has been provided to me that shows any agreement or contract I ever agreed or signed with this creditor/utility comapny.

Company response to consumer: Closed with explanation