Consumer complaint received 2021-10-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a dispute to Equifax on XX/XX/21. They received it on XX/XX/21. They closed the dispute on XX/XX/XXXX. The results were the item is not currently reporting on my Equifax credit file however, XXXX XXXX XXXX is currently reporting on my credit file twice. I am attaching the certified mail receipt, a copy of my Equifax credit report where the two accounts are reporting the alleged debt that I am challenging and requesting to be permanently removed from my credit file. Equifax failed to properly investigate my dispute and therefore should be IMMEDIATELY removed from my credit file. 

This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and XXXX XXXX XXXX which is not true. I have never had a contract with this debt collection company. 

There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information. 

There is another violation showing a past due balance for a collection account which is a violation you have a past due balance for something you have never owed to a company you have had no contract with. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.

Also, Equifax make it extremely difficult to submit a dispute as a consumer their customer service agents are awful to deal with and will ask you for your blood type and still not be able to assist you with any matter. I am still waiting for a credit from Equifax for being over charged for their premier product that doesnt work as it should. It doesnt update once daily.

Company response to consumer: Closed with explanation