Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: NE
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:
This complaint is against Equifax Credit Reporting Agency and also XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. Equifax Credit Reporting Agency will not remove a false account on my credit report admitting they are knowingly reporting false information as they also " fail to prove '' a said debt which I have told them is not mine. They are posting a false debt without proof that it exists or is mine. I contacted Equifax along with XXXX and XXXX in XX/XX/XXXX when i noticed an odd collection appeared on my report and told them I was never notified of this debt, please remove. Equifax sent back a response saying, " they verified it as mine ''. XXXX deleted the account as " unable to verify ''. 

I sent another letter in XX/XX/XXXX telling XXXX and Equifax that XXXXXXXX deleted the account as " unverified '' and that it is n't mine. I asked for Equifax and XXXX to share what information they have proving it is mine. At this time XXXX then deleted the debt. Equifax sent me a generic print out that stated " how we usually investigate ... ''. 

In XX/XX/XXXX, I sent a certified letter to Equifax telling them that XXXX now deleted the account as " unable to verify '' and again asked Equifax what information they had and could they please share it with me since we all were n't able to obtain any information regarding this said debt. I told them again at this point the collection agency, XXXX still has not contacted me.I also asked that they please not send me another generic print out of how " investigations are typically handled ''. Again I got the same generic print out from Equifax which told how they, " typically investigate disputes ''. They sent no information on this debt. Equifax also did n't state which method they used for my debt. 

In XX/XX/XXXX, I sent a certified letter to the collection agency, XXXX XXXX in XXXX, KY and asked them to send me any and all information they have on file regarding this debt. I told them they need to delete this false account from my credit report if they can not prove because I have no knowledge at all of this debt and I have never heard of the company listed with them on the credit report as the " original creditor ''. I asked for proof that this is my debt and that I am the responsible party. I also asked them what the " services '' were which I am being charged. I questioned them on why they have never contacted me.They sent me a white sheet of paper ( a print out ) that said the name of the original creditor ( XXXX XXXX XXXX XXXX ) but did n't give any contact information for them, not even a city and state. I XXXX and found three companies in three different states who are using this business name. The print out also had the following on it, " {$240.00} amount owed, date of service " XX/XX/XXXX ''. THAT 'S IT! It did n't state the address of the service, nor what the service ( s ) were, nor who authorized the service. I am none the wiser on this debt because the print out from XXXX XXXX gave me nothing new that is n't already listed on the Credit Report for Equifax. Two weeks ago, I filed a complaint with the BBB ( Better Business Bureau against XXXX XXXX in XXXX, KY demanding more information on this debt. To date, I STILL have n't heard from them at all. I am sending them yet another certified letter tomorrow trying to get the address and contact information of the original creditor ( XXXX XXXX XXXX XXXX ), the service ( s ) rendered, the address of service ( s ) ( was it a business or a home which the services took place )? And who is responsible for debt ( contract, information on the person who authorized the debt - name? By what means did they request the service? Was it a letter? An email? A phone call? A verbal request in the XXXX street ''?

Company response to consumer: Closed with explanation