Consumer complaint received 2015-10-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been dealing with this issue since XX/XX/XXXX. First it was reported by XXXX ; on XXXX/XXXX/XXXX. 

Then It was sold to a XXXX party collection agency, named XXXX XXXX on XXXX. XXXX XXXX sent me a collection letter, I responded to their letter with in the 30 day. The amount was {$830.00} and {$560.00}. The {$560.00} was part of the {$830.00}, but was reported as XXXX account ; this time. I disputed this to the credit bureau, and it was removed. This company also has different account number at the time. 

XXXX XXXX reported as service dated XXXX/XXXX/XXXX for {$560.00} by account number XXXX Letter dated on XXXX XXXX, XXXX. I contacted them and disputed with the three credit Bureau and was removed. XXXX used the same account number as XXXX XXXX, XXXX, original complaint, with the knowledge of this account is removed from my credit after dispute. 

On XXXX XXXX, XXXX, I got my credit pulled through annual credit report, and I found out about the XXXX negative report by XXXX. I dispute it over the line the same day, but the system would n't let me to finish, so i called on XXXX/XXXX/XXXX to continue the dispute, few weeks letter i called I found out it was gone, the XXXX XXXX, XXXX negative report does n't show anymore, but then was new report, dating XXXX XXXX, XXXX. I called to ask. The representative is telling me, we never have XXXX XXXX, XXXX in our system and she was very rude, I said, I disputed it on XXXX XXXX, XXXX for the XXXX XXXX, XXXX, how can I dispute for a future time to be reported on XXXX/XXXX/XXXX?, what is going on, did XXXX have someone in the department helping them to tamper consumer account? I am having difficulty to understand what goes on at Equifax Department? All of this to help XXXX. 
XXXX, reported on XXXX XXXX, XXXX ; for the amount of {$560.00}, {$180.00} and {$180.00}. I explained to Equifax representative that, this was removed many times before ; why is it showing in my credit as newly reported? She said, dispute it, I said, how many times should I dispute it, see the history? I have been disputing an account that was removed over and over again? Why are you accepting the same bill by the same collection agency after i reported your department that this collection agency is reporting fraudulentlyThis account that is opened as new on XXXX XXXX, XXXX is the same account that was reported over the years by XXXX, by XXXX, by XXXX and XXXX since XX/XX/XXXX. Each time I disputed and luck of verification it was removed from my account successfully. But not for long, XXXX will take over again by updating the reported date, the amount and the account number as new. If that does n't work they sell it or transferred to the affiliated collections as XXXX and interstate. 

For how long should I fight and dispute for the same bill? This time Equifax is in their side, for some reason, Equifax representative seem to sympathize with XXXX and are refusing to remove it unless I give them a new police report. I was told, if XXXX decides to report this again and again and every month ; all they needed for verification from them is my name my address and the amount, if they provide this ; the say we are good, but you if you are disputing it you must provide as with new police report, so they are refusing to remove it knowing. I was told the police report I gave them on XX/XX/XXXX does n't exist, she is saying, we do n't keep history. Many histories that show as removed from my account is also not showing. 
So, i was forced to findout about the state law, i called to attorney general ; i found out by law they should keep it for seven years. 

This type of behavior is dishonest, abusive and caused harm to my credit history and my financial as business owner. I suffered emotionally and financially over the years. I have to spent hours of my time. Equifax is

Company response to consumer: Closed with explanation