Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern, I am writing today to complain of the poor service I received from Equifax regarding three collections accounts on my credit report. 

XXXX XXXX XXXX ( now showing up in the screenshots as " XXXX ) is located at XXXX XXXX XXXX # XXXX, XXXX, NC XXXX and their phone number is ( XXXX ) XXXX. I submitted a debt validation letter to them after seeing that they had posted three separate debt collections accounts with the three credit bureaus known as Equifax, XXXX  and XXXX. After disputing these accounts with the credit bureaus, XXXX and XXXX  removed these collections accounts, but Equifax has not, even though Ive sent them 3 letters with documented evidence stating that these medical accounts do not belong to me. 

The account numbers on my Equifax Credit Report are listed as : 1.  Agency Name : XXXX | Account Number : XXXX | Original Balance : {$120.00} 2. Agency Name : XXXX | Account Number : XXXX | Original Balance : {$110.00} 3. Agency Name : XXXX | Account Number : XXXX | Original Balance : {$120.00} I asked XXXX XXXX XXXX via USPS Certified Letter with Return Receipt to please send me the following information : 1.  Provide a copy of my signature with the provider of service to release my medical information to you. 
2. An explanation of what this alleged account balance is for.

3. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

4. Documentation that shows I agreed to pay this debt.

5. The Agreement that grants you authority to collect on this alleged debt.

6. A copy of your state license, including license number. 

XXXX XXXX XXXX replied to my debt validation letter with the following : Our office is in receipt of your letter of dispute and request for verification pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act. Regarding your demand for verification including original signed contracts, copies of state license, our agreement with the original creditor listed on this account, etc., there is no basis in law to substantiate your right to such information. In fact, court cases and the Federal Trade Commission have found there is no duty to comply with such excessive verification demands. 

Equifax still has the three XXXX XXXX XXXX accounts on my credit report even after sending them 3 certified letters with documented evidence showing that these accounts are not mine. To top it off, I have sent them letters asking them to fix information on my credit report such as my name, my address, my place of employment, etc and they did not fix it like I requested them to do via two USPS certified letters. I am in the process of trying to buy my first home, and these three accounts, as well as the inaccurate information that has not been changed by Equifax is negatively affecting my credit score. 

To resolve the problem, I would appreciate your help with investigating this matter further and contacting Equifax to ensure that these accounts are deleted off my credit report, and that my credit report is updated with the correct name, address, employment information, etc. 

Attached are copies of my records for your review, I look forward to your reply and a resolution to my problem. 

Please feel free to contact me vial email at XXXX. 

Yours Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation