Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Multiple issues with Equifax. 
In XXXX 2016 I had a collection account, XXXX Original creditor was XXXX XXXX in Tennessee. It was an erroneous charge as the contractor who picked up the equipment did not key in the modem in their system as returned. I contacted comcast directly and their rep was able to track down my old modem currently in use in their system, he apoligized.I was given a case number ref/ticket number # XXXX to use in my dispute which I did. I disputed the charge on XXXX XXXX, and all other credit reporting agencies had removed the erroneous collection account on my credit report around XXXX XXXX +/-. I have had to fight month by month with equifax. They have FINALLY removed it on XXXX XXXX 2016. 

2nd Issue : Original creditor XXXX XXXX XXXX. - XXXX collection agency was XXXX, charge was removed XXXX XXXX, and was immediately reported by XXXX collections. I never received notification from XXXX collections that they were taking possession of the account, nor was I given the opportunity to dispute them directly at that point. Again, month after month I fight with Equifax to remove the charge/report from my report, even stating to them I was never given proper notification from XXXX collections. Every other agency had no problem removing it, Equifax kept it on. Finally after disputing directly with XXXX it is removed from Equifax on XXXX XXXX. 

On or about XXXX XXXX I contact Equifax 's customer servicefor assistance, I will XXXX my posting from XXXX so you understand : Ongoing dispute through Equifax for almost a year now month after month concerning an erroneous collection through XXXX ( Their XXXX did not key my equipment in that he picked up for return - years later I have a collection from Stellar recovery about it. I contact comcast and they track the box down still in operation in their network. I get confirmation number from them and the fun begins .... ) Last week I received my " We have your account in our office and if we do n't hear from you in 30 days we will assume it 's valid " ( A letter I NEVER recieved from Stellar recovery ) .... 
So I dispute it, results pending ... ... .. 

That is NOT the reason I am posting this ... .... 

THIS IS .... 
I dispute the collection account from Stellar recovery that is STILL on Equifax ( Every other agency removed it after my XXXX dispute ) ... ..Sending in a copy of the letter from the new agency, for proof that someone else has it .... ( And yes I am disputing this as well ) and XXXX ( Im assuming that was his name I cant recall ) from Equifax customer service whom I just got off the phone with ... towards the end of our call, he tries to " Sell me '' some Equifax account monitoring services XXXX for {$17.00} a month ... .... 
( Ill let that simmer for a moment ) ... 
I then ask him, and I am quoting myself here " So, you are telling me if I paid for this service, the account would have been removed a long time ago? '' " Yes sir that is what I am telling you ... ... '' ... .... 
Now here 's what transgressed from that phone call, The person I talked to on the phone ran a dispute against my banks credit card. 
I never disputed that at all. 
I am trying to rebuild and repair my credit. 
I have already contacted my bank - XXXX regarding this false dispute. 
Confirmation # XXXX Why should I have to pay anything to Equifax to correctly handle my disputes. Also In the day of so much Identity theft why is it an agency with ALL my credit info and history, and effects my purchasing power and credit rates, why are they located off shore, where most computer fraud originates from? 

Even my Credit scores with Equifax are almost XXXX points less than the other agencies. 

Also they even have my old address listed from 1.5 years ago, and I have brought this to their attention. All my disputes are being snail mailed to the wrong address.

Company response to consumer: Closed with explanation