Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am currently disputing a collection company, XXXX XXXX, reporting a medical bill for XXXX XXXX XXXX XXXX of {$270.00} to Equifax. The medical bill is related to a vehicle accident where I was not at fault. When I went to XXXX I requested they bill my XXXX XXXX XXXX insurance which would have paid 100 % and I also called and asked the corporate office to accept the auto insurance and they decline. I gave them my health insurance left me owing the {$270.00}. I requested to process payment 3 times and they failed to do so. Consequently I received a letter from XXXX XXXX notifying me it was submitted to them for collection XXXX XXXX 2016 and if I paid within 30 days they would not submit to credit reporting. I provided payment within this 30 day time frame via my credit card. I thought was taken care of. I am now purchasing a new home and this item is on my credit reports. I asked XXXX XXXX why they reported to credit reporting companies and they said I had failed to include a expiration date for my credit card. I called and asked XXXX why did n't they contact me and let me know and they said it was n't their responsibility. I resubmitted payment in XXXX and asked XXXX XXXX to please retract their submission to the reporting agencies that I had not paid my bill back in XXXX 2016. They said they could n't so I contacted Equifax explained to them the issue and asked they remove and they said they could n't remove from my report that it would have to come from XXXX XXXX. Explained to XXXX the time sensitivity and how I believe it 's unfair that my XXXX score was at XXXX in XXXX and now is XXXX due to this XXXX invoice all because XXXX XXXX would n't send my a request for my credit card expiration date. This has a high monetary impact to financing my new home. It prevents me from receiving the lower interest rate I would be entitled to had my XXXX score still been at XXXX. It 's extremely surprising to me this XXXX bill of {$270.00} has the ability to impact me so significantly on a personal monetary level. I accept responsibility for what I owe and I pay my bills that I know about 100 %. But when you 're not notified of something so minor as a credit card expiration date it makes impossible to pay especially when I thought it had already been paid. I just need help and unfortunately I keep being told XXXX XXXX and Equifax get 30 days to address this dispute when I do n't have that much time to finance my home and there 's is not away to expedite resolution. I 've never felt so helpless in my life. To maker matters worse I was told by a dispute agent at Equifax that if I enrolled in their program " Complete Advantage '' for {$17.00} per month that they would help me work with other reporting agencies to help resolve this dispute. So when I called Equifax today they told me that was not XXXX of their services and they could not do anything until they were notified my XXXX who has already told me they are unwilling to help me. Please help

Company response to consumer: Closed with explanation