Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting that I owed XXXX XXXX {$140.00} on a closed and paid up account from XXXX. The amount reported is {$140.00} and it is being pursued by a collections agency caller " XXXX XXXX XXXX XXXX ''. 

I moved in XX/XX/XXXX. I called to disconnect my cable service with XXXX on XX/XX/XXXX and requested the disconnect date for XX/XX/XXXX. This would have been 10 days into a billing cycle. No one at XXXX informed me that I would be paying for additional services not rendered to me at this point or at any point before my disconnect request was made. 

Upon signing up with my cable company, I accepted the terms of service that my cable would be paid a month in advance for services rendered. So, if I disconnected halfway through a cycle, the money I paid in advance would be due back to me when the account as reconciled. This is not unusual as it has been the cable/satellite company 's model since the XXXX 's. 

Anyway. Instead of zeroing out my bill and sending me a final balance XXXX started sending me a bill for {$140.00}. I called multiple times asking them to prorate back everything after my disconnect date and they refused stating " In accordance with the XXXX XXXXerms and Conditions of Service, XXXX services are billed on a monthly basis. ". I told them on each call told them that this was fine by me, I just needed to see where I agreed to that rule change in regards to my established service agreement. They had nothing that they could present me with. There is no logical reason why I am obligated to pay them for things I did not received according to terms outside of my service agreement. This lack of service I am being billed for will be referred to as " hot air '' in the remainder of this document. 

SO. I eventually threw my hands in the air and just calculated what I owed them myself and made a final payment. XXXX still has on their books that I owe them {$97.00} for hot air which they describe as XXXX of the month of service that I didn't receive because it was disconnected. 
I vehemently dispute this as a legitimate debt as I never agreed to pay XXXX  for hot air and I simply won't unless they can show how and when I agreed to do so. 

As far as Equifax, they continue to call XXXX 's Claim to {$140.00} of my money legitimate even though the amount is wrong by {$48.00} and the charge itself is unjustifiable without some evidence of my liability to be billed for hot air. 

As you are no doubt aware, it is nearly impossible to communicate all of this information in an Equifax dispute request. Regardless, I am confident that I have over the course of my XXXX disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Equifax, communicate the breadth of this information to Equifax. Even so, they have denied my dispute each time with no explanation aside from the demonstrably false, " This item has been reported correctly ''. Even though the dollar amounts do not match. 

Also, you will note on the bills I have recently printed that XXXX states their billing policy. I do not know when this was changed because I never received bills and had my payments on monthly auto-draft. At any rate, I fail to see how printing a new rule on a bill that will never be sent to or seen by someone is establishing or modifying an already mutually agreed upon and accepted terms of service. 

Lastly, I would like to point out that this same collection was put on file with XXXX in the first quarter of XXXX and XXXX removed it without hesitation once I disputed it and explained why it was not legitimate. 

Thanks

Company response to consumer: Closed with explanation