Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has reported a fraudulent debt, they allege I owe to their collection agency, XXXX XXXX Phone number : XXXX, Account : XXXX. This collection agency, XXXX, has reported this fraudulent debt to the credit bureaus ( XXXX, Equifax , XXXX ). The alleged debt was disputed with all XXXX credit bureaus. XXXX is the only Credit Bureau that responded appropriately, via removing the fraudulent alleged debt away from my credit report. Equifax and XXXX need to do the same especially while the investigation is in place. Via Federal Law, once a debt is disputed with the credit bureaus, if the financial institution does not provide proper documentation to prove the alleged debt is mine, the alleged debt must be removed from my credit report via the credit bureau. The proper documentation in this specific case is a judgment awarding XXXX XXXX the alleged debt. They do not have such a judgment because I do not not owe them anything. XXXX XXXX are affecting my credit and my livelihood. The presumed account with XXXX XXXX and alleged debt has not been verified or validated. I am requesting the assistance of The Federal Trade Commission, to assist Equifax and XXXX credit bureau to remove the fraudulent activity off of my credit report immediately as it is negatively affecting me. 

Please help XXXX XXXX better understand The Law, and the proper venues to pursue fraudulent debt they alleged I owe when, in fact, I do not owe them anything. For some reason, they believe they are special and can harass individuals whom have proceed forward, and do not want to be harassed by them-XXXX. 

I do not owe XXXX XXXX any money. XXXX XXXX owes me, XXXX XXXX XXXX. In reality, the company, received an ill got eviction without ever providing me with a summons or complaint. According to the law, the judgment of possession should have been vacated but they refused to acknowledge The Law. They then burglarized me despite me providing written and verbal notification within the required time frame of I was not abandoning my property. I then sued them, and the property they allegedly was 'disposed of '' was now being negotiated back to me, in an attempt to extort approximately {$2700.00}. They negotiated to return my " disposed '' now confirmed " wrongfully distrained '' ( WHICH IS ILLEGAL ) property back to me, and not to report any eviction or alleged debt to credit bureaus. They continue to lie, and disregard highly esteemed Laws, Codes, Statutes, and Court Rules. Please help them realize they are not special and they too must obey The Laws, Codes, Statutes, and Court Rules. The proper venue for this issue is the Court sytem within their jurisdiction not the credit bureau. Please have the fraudulent account and fraudulent debt they alleged I, XXXX XXXX XXXX, owe removed from credit bureaus. Thank you. 

The attached documentation is inaccurate information sent to me from collection agency, XXXX. The information is inaccurate and reports a fraudulent lease agreement amount I did not agree with, and a ledger displaying fraudulent inaccurate account activity. The lease and ledger do not belong to me.

Company response to consumer: Closed with non-monetary relief