Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I visited the ER for a XXXX  related issue at a local hospital in XXXX FL. The hospital had my old insurance on file. I was in the ER for about 3 hours. I did not have my identification with me when I checked in, I gave them my name and they pulled me up in their computer. No one ever came to have me sign any admission or discharge paper work. They did XXXX, a XXXX  XXXX  and sent me on my way with no discharge instructions, I signed not one document the entire time I was there. 
The hospital tried to bill my old insurance company, XXXX XXXX. Which did not go thru. I had XXXX XXXX XXXX at the time from an employer I was working for in Washington state. 
In XXXX I applied for an auto loan thru XXXX XXXX and I was given a high interest rate on the car loan. I looked at the report and discovered XXXX collection accounts on my report, all from the one visit to the ER. There was one XXXX  bill, a XXXX  bill, and a XXXX  bill from the XXXX. 
I first called the hospital and asked them to bill the proper insurance company and was told, No we will not do that because it has been too long, they wont accept the claim. So I contacted XXXX XXXX XXXX and they told me to get a superbill from each one of them and they would see that it was taken care of. So I called the hospital back and requested a XXXX  and was told they couldnt give me one that day. I was astonished and called XXXX XXXX back and we called them on a three way call. They told XXXX XXXX while I was on the phone with them they couldnt give me a superbill because their printer was down. She asked them if they could just email a pdf document to them or me and they said no, they had to send it via regular mail. So ii had to wait several weeks to obtain a XXXX  from the hospital. 
So I then called the XXXX  and XXXX  office and told them I also needed a XXXX  from them so XXXX XXXX could pay it. They told me they couldnt help me they no longer had the account and I needed to call the collection agency who reported it on my credit report. I call the collection agency as was instructed and asked them for a bill to give to XXXX XXXX. Of course they are a collection agency and not a healthcare facility and they didnt have a superbill, that would violate HIPAA laws. So that too was a dead end. 
After fight for weeks and months trying to get these super bills and having to call every day for weeks, they finally sent me a bill in the mail from they XXXX  office and the XXXX. I woundt get the XXXX from the hospital for weeks later. I sent the XXXX XXXX  XXXX I had to XXXX XXXX and later when I finally got the one from the hospital I sent it on to XXXX XXXX as well. In speaking with XXXX XXXX on a number of occasions and trying to get these bills paid, they asked me if I had made a payment on the hospital bill. I said no, I had not. They said well this bill looks as though someone has made a payment on it. In looking into it further it appears as though the hospital accepted some kind of funding for my hospital bill. Some had been paid towards the bill from somewhere. No my COVID test was negative and it was found to be unrelated to COVID, but it appears they did accept some funding from the federal government towards my bill. 
XXXX and XXXX removed the collections from my report after providing them with info from XXXX XXXX. Equifax refused. So I called XXXX after having disputed these items once. When Equifax finished their investigation I called XXXX and told them what was going on and pretty much had to threaten them with double dipping and explained again that XXXX XXXX had taken care of the bill. They werent happy about it but they agreed to send a notification to all three bureaus to remove them from my report. Again, XXXX and XXXX removed the items, Equifax did not, XXXX sent them the letter to remove the items on XX/XX/XXXX. XXXX also sent me the letter via secure email. I have the letter and have sent it to Equifax multiple times, I faxed it, successfully. I tried uploading thru the dispute process online and was not able to successfully upload it due to their site not working. 
I have called them on dozens of occasions and been on hold for more than 10 hours. I have been put on hold for hours and no one comes back or Ive been put thru the cue again too have to start all over from the beginning. 
I filed a complaint with the CFPB, only to be told that Equifax investigated and they found the item to be accurate. So I filled another dispute with Equifax on XX/XX/XXXX. It has been showing as still being investigated until yesterday. Equifax is reporting now their investigation is complete after only 2-3 days. There is a PDF document when you log into my account, but it will not open. So I filed another complaint with the CFPB the same day I filed the dispute again with Equifax. Last night, the same time the investigation with Equifax reports as being complete, the complaint on the CFPB website indicates that it is still being investigated by Equifax. I have uploaded the letter from XXXX which says basically all three bureaus need to remove these items from my report, along with my passport and drivers license. These items were all faxed to Equifax as well. Yesterday I called them again and asked them what the status was and had to ask for supervisor. The supervisor is never any help and all they say is, Sir we are not removing this from your report. We have to be notified by the company who placed this on the report. Recall the letter from XXXX was sent to all three bureaus on XX/XX/XXXX. As if yesterday the new date the item was reported on my Equifax report now says Date Reported XX/XX/XXXX. So what does this mean? It seems as though they verified it again now that Equifax reports they concluded their investigation.again. 
What does a consumer have to do in order to get them to remove these items. I should have a score over XXXX, because of this for the past year my score has been under XXXX. Can someone please help me. I need to refinance my car and my RV camper that I purchased last year. Both of which have higher interest rates than what should have been. This is my third car loan thru XXXX XXXX and it is the highest interest rate on a car I have ever had to pay. I am begging someone to help me please. This is wrong on so many levels. My next step if I do not get help from the CFPB, is to write letters to my congressman, both senators, and my Governor, XXXX XXXX of Florida. It doesn't seem like anyone is concerned that my right are being violated by just about everyone mentioned in this report. My next step will be an attorney and in fact I have already contacted one and hope to hear from them today. Maybe they can help me make some headway and I will just file a lawsuit against every company and agency that has allowed this to happen. Someone will be held responsible, somewhere. 
If there is anything you guys can do i would appreciate it. This is only the third complaint i have filed with you guys on this same issue with Equifax. They apparently believe they are above the law.

Company response to consumer: Closed with explanation