Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've about had it with Equifax! I 'm complaining against them for their failure to remove inaccurate items as well as their failure to identify creditors on my credit report and yet continue to " verify '' them! How are they " verifying '' these " unknown medical collections '' if there is no company name, address or phone number? How am I supposed to know who these creditors are if they fail to provide that information after i have notified them time and time again?? Here 's the body of my letter to theme and i am including the letter as well as the credit report in the attachments. 

XXXX XXXX I told you that this account balance is not what is actually owed on this account and the open date does not match when this collection account was actually opened - I also did n't receive any information on this account to verify that its reporting correctly XXXX XXXX I told you that this account balance is not what is actually owed on this account and the open date does not match when this collection account was actually opened - I also did n't receive any information on this account to verify that its reporting correctly XXXX XXXX this account was added this month and it is unknown XXXX XXXX This account was n't opened the month that is listed on the report and the high balance is also incorrect ; in addition, the account terms are listed inconsistently across all XXXX bureaus and you have the responsibility to ascertain that my report is accurate There are now XXXX of these " unknown medical collections '' listed for this account on my credit file and I have asked for months for you to identify these creditors and you have n't updated this to include their company name, company address or phone number! How are you even " verifying '' this if there 's no creditor information? This needs to be removed immediately! The XXXX " unknown medical collection '' is unknown to me and I 've told you this 6 times already and you still have n't provided anything in the form of docs to me whatsoever! 
UNKNOWN MEDICAL XXXX UNKNOWN MEDICAL XXXX UNKNOWN MED XXXX XXXX XXXX I would like to see the docs on this account because the other XXXX were deleted because they could n't be verified and this one remains and yet when I asked for the docs I received nothing and when I called this company and spoke with XXXX, she said that there 's an account with my first and last name on it but there 's no SSN attached to this account and that there 's no documentation and she also said that Equifax has not even once contacted them to verify this account! - so having said all of that- where 's the docs that prove ownership of this account? I need to see them! 
XXXX XXXX The open date on this account is not accurate as well as inconsistent across all XXXX bureaus. XXXX : XXXX/XXXX/13, Equifax/XXXX XXXX/XXXX/13 - which means that someone is wrong here right? I 'm assuming that it means that you 're wrong and I need to see the actual documentation that shows that this account is reporting accurately. 
XXXX XXXX This account was deleted by XXXX due to their inability to verify it, and I do n't want to hear the XXXX about " each bureau interprets the FCRA differently '' because congress states that the language is clear and that there 's no " interpretation '' - its either that you have the firsthand knowledge and can prove it with documentation or you ca n't and it needs to be removed! Where 's your proof??

Company response to consumer: Closed with explanation