Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Multiple collections for medical on credit reports. These charges were covered by insurance and I am not responsible these debts. Previously disputed with no results causing my credit score to lower rather than help fix my score. 

How can I be in XXXX, IA on XX/XX/XXXX and in XXXX the same day. Also XXXX XXXX ( in XXXX, ia ) is a XXXX facility in which I stayed and there is nothing that they would have created charges from XXXX XXXX in XXXX would be needed on XX/XX/XXXX.
_____________________________________________________________________ EQUIFAX XXXX BALANCE {$64.00} OpenedXX/XX/XXXX ( 5 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksMedicalOriginal Creditor NameXXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX Accounts BALANCE {$180.00} OpenedXX/XX/XXXX ( 5 yrs ) Account statusOpenType -- ResponsibilityIndividualRemarksAccount information disputed by consumer, meets FCRA requirementsOriginal Creditor NameXXXX XXXX BALANCE {$38.00} ( I do not believe this is mine as I have not been to XXXX in many many years, I go to the University in XXXX  XXXX. Also if it was mine, why would insurance pay for the rest of the charges yet not pay for this? My  insurance should pay this if it 's mine ) OpenedXX/XX/XXXX ( 10 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksMedicalOriginal Creditor NameXXXX XXXX XXXX __________________________________________________________________________________________________________________________________________ XXXX XXXX XXXX ( I do n't even know what these charges are for but I have insurance and it pays for my medical ) BALANCE {$470.00} OpenedXX/XX/XXXX ( 4 yrs, 11 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksAccount information disputed by consumer, meets FCRA requirementsOriginal Creditor NameXXXX XXXX XXXX  _____________________________________________________________________ BALANCE {$320.00} OpenedXX/XX/XXXX ( 5 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksPlaced for collectionOriginal Creditor NameXXXX XXXX XXXX  _____________________________________________________________________ BALANCE {$240.00} OpenedXX/XX/XXXX ( 6 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksPlaced for collectionOriginal Creditor NameXXXX XXXX XXXX  _____________________________________________________________________ XXXX XXXX XXXX  Accounts BALANCE {$180.00} OpenedXX/XX/XXXX ( 5 yrs ) Account statusOpenType -- ResponsibilityIndividualRemarksAccount information disputed by consumer, meets FCRA requirementsOriginal Creditor NameXXXX  XXXX__________________________________________________________________ XXXX  BALANCE {$370.00} OpenedXX/XX/XXXX ( 5 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksPlaced for collectionOriginal Creditor NameXXXX XXXX  XXXX XXXX BALANCE {$64.00} OpenedXX/XX/XXXX ( 5 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksPlaced for collectionOriginal Creditor NameXXXX XXXX XXXX XXXX _____________________________________________________________________ OTHER MISC on credit report that are inaccurate : This is not my responsibility due to a divorce, in which is my ex-husband 's charge, XXXX XXXX XXXX Reported : XX/XX/XXXX BALANCE {$440.00} OpenedXX/XX/XXXX ( 11 mos ) Account statusOpenType -- ResponsibilityIndividualRemarksPlaced for collectionOriginal Creditor Name0XXXX XXXX XXXX  _____________________________________________________________________ This is fraudulent previously disputed and closed with balance still reporting. This is not my credit card therefore not my charges ) XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Closed BALANCE {$490.00} Minimum monthly payment $ 0OpenedXX/XX/XXXX ( 1 yr, 3 mos ) Account statusClosedTypeCredit CardResponsibilityIndividualRemarksCharged off as bad debt Dispute resolved ; reported by XXXX XXXX 30/60/90 days late0/0/0ClosedXX/XX/XXXX

Company response to consumer: Closed with explanation