Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has a collection listed on my report that does not belong to me ( XXXX XXXX XXXX XXXX XXXX ). I have never been to XXXX XXXX XXXX so I knew this was a mistake. Before I disputed this collection I called both XXXX and XXXX XXXX XXXX XXXX 2016 to confirm this was a mistake. Indeed both confirmed they had no record of this collection in my name, address, phone, social #, or spouse or child. I then disputed this with Equifax providing all the information I had acquired, contact numbers, contact names, addresses, date of conversation and so forth. I had to file through the mail because Equifax online system would not let me file via online. I mailed in the information around the XXXX of XXXX. I called on XXXX XXXX to inquire the status of the investigation through Equifax customer service and spoke to a supervisor. He informed me the " investigation '' was complete and that they had confirmed through XXXX XXXX XXXX that the account in collection was mine. I said really! I informed him I had talks to both XXXX and XXXX XXXX and they confirmed to me as I stated in the letter that I was not in collection with them and that they had no record that I ever was at all. I ask that he call XXXX via a phone conference right then but he refused. I told him that I would contact them again and get a confirmation letter from them stating they had no record of me and that this collection should be removed from my credit report. So I called XXXX XXXX Services XXXX/XXXX/16 and spoke with XXXX XXXX from that agency. I gave him all the information he requested in order to investigate for himself that there was no collection through them from XXXX XXXX XXXX in my name. I emailed him my Equifax report showing XXXX XXXX listed as a collection agency for XXXX XXXX XXXX. XXXX XXXX investigated and confirmed that there was no record of a collection in my name for XXXX XXXX. He also told me that Equifax never contacted his agency to confirm the allegation. He said XXXX XXXX had not filed a collection for XXXX medical clinic to Equifax in my name. KC then sent me a letter of confirmation to that fact to give to Equifax. So today XXXX XXXX, I tried to re-file a dispute with Equifax online and it would not let me. So I called to speak with a customer service representative to explain once again what I have found out through my investigation also to find out how I could send them the letter I received from XXXX XXXX at XXXX XXXX. The Equifax representative would not allow me to explain to him that I have a letter of confirmation or that I had even contacted the agency in which the dispute originated and in fact he hung up on me when I insisted he listen to me. As per the usual you get a different representative every time you call Equifax. I tried to call back several times but they must have flagged my social security number because the automated answering would not put me through after I enter it. So I looked up online what to do when you run out of option with a credit agency and it referred me to Consumer reporting Agency. I called and was given an option to file a report over the phone or online or by mail. I chose online because I felt it gave me more options. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief