Consumer complaint received 2017-06-09
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:
Th e Problem is Equ ifax refuses to actually investigate a collection on both mine and my wifes  Equifax Credit Reports. Bec ause if they did actually investigate they would have deleted the information. We called the number supplied on the equifax credit report for   XXXX   XXXX   XXXX   XXXX  , gave them both of our social security numbers. They said we do not currently nor have we ever had an account for you or your wife.In XX/XX/XXXX  we found an apartment that we wanted and were turned down because of an item on our credit report so we looked at our reports and there was an item on my report and my wifes that said we owe  XXXX  from a collection agency   XXXX   XXXX   XXXX   XXXX  . Original creditor   XXXX   XXXX   in  XXXX  OH. We called   XXXX   XXXX   XXXX   On  XX/XX/XXXX  at  XXXX  while waiting to go in for an appointment with   XXXX   XXXX   XXXX    the cal l was transferred a couple of times and we ended up speaking to   XXXX   XXXX   and he said they do n't have any record of us in there system. We gave them both of our social security numbers they said we ca n't find any account. Which makes sense because we did not owe any money to the original creditor  XXXX . In fact we got our deposit back from them when our lease was up  XX/XX/XXXX . So we then called   XXXX   XXXX   in  XXXX  OH. We told them about the problem and they said that the company was sold in  XXXX  and they have no records prior to the sale. We disputed the information with all  XXXX  credit reporting agencies.  XXXX  deleted the incorrect information in  XXXX  and we did get the Apartment.. We did not check back then to see if the other  XXXX  CRAs had removed the inaccurate information. We found out they did not so we began disputing the information again and finally got  XXXX  to delete the inaccurate information . Equifax contin ues to report this debt that we NEVER OWED even though we told them that   XXXX   XXXX   XXXX   XXXX   and  XXXX  said we do n't owe any money. They dont even have any records of us. Back in  XXXX  when we first reported the inaccurate collection we did not keep any record of the credit reporting agencies responses. Since that time we have started recording phone calls to the  CRAS an d the furnishers when we realized we needed some way to make  Equifax do  what they are supposed to do according to the FCRA. We called and recorded the conversation with   XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX  and they said they have no record of us in their systems and there is nothing that they can do for us. Equifax has given different answers to the reason they have not deleted this  One answ er was Verified as Accurate ( which could not have happened ) and another answer Equifax said We have reviewed your concerns and our conclusions are : The following disputed account or inquiry is currently not reporting on your Equifax credit file :   XXXX   I do not know any account number but on the report from Equifax had this for an account number   XXXX  . They required an account number for the dispute so we used that because that is what was on the Equifax report that we had. So Equifax is saying  XXXX  is not currently reporting on my credit report but it is. They added a consumer statement to our file. We paid for a report from Equifax to see if this was removed it is still there collection  agency    XXXX   XXXX   XXXX   XXXX   original creditor   XXXX   XXXX   XXXX   XXXX   account number  XXXX . Balance  XXXX  Equifax will not delete this even though there is no way they could have verified it as accurate because we spoke with   XXXX   XXXX   XXXX   XXXX   and  XXXX  and as I said we started recording our conversations when we call them.   XXXX   XXXX   XXXX   said we are not in their system and that was it. They said there is nothing we can do for you.  XXXX  says they have no records prior to  XX/XX/XXXX and it was  XXXX  when we moved out at the end of our lease and got our deposit back. Please make Equifax delete this collection from our accounts. My last  2 disputes o ver this with Equifax were dispute number   XXXX   and dispute number  XXXX . Phone number   XXXX   XXXX   XXXX   XXXX    XXXX . Phone Number Stonebridge Apartments  XXXX . We can provide you with the phone recording if you need it.

Company response to consumer: Closed with explanation