Consumer complaint received 2016-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a RECURRING ISSUE with XXXX reporting to Equifax on a debt that is not owed by me. I have disputed this matter and remains on my credit report despite no evidence to the contrary of the attached submitted documents. The relevant facts as it pertains to this matter are as follows :. A foreclosure action commenced in the XXXX County Court XXXX XXXX XXXX XXXX by XXXX against XXXX and XXXX XXXX where summary judgement was granted. There was a subsequent appeal in this matter to the XXXX Court of Pennsylvania who has jurisdiction in this matter Docket Number XXXX which was ended by XXXX XXXX XXXX, Esquire - ID # XXXX on behalf of XXXX XXXX sent a Praecipe to VACATE / WITHDRAW THE JUDGEMENT entered to the trial court render the appeal in the Superior Court ''. The " Judgement was discontinued and ended without prejudice '' references in " Exhibit # XXXX '' was never entered into the record because XXXX County Court XXXX XXXX XXXX had no jurisdiction in this matter and it was under appeal. XXXX XXXX, responded to a collection letter on XXXX XXXX, 2016 and told the representative that this matter had been adjudicated at the XXXX Court of Pennsylvania and that XXXX XXXX XXXX, Esquire on behalf of XXXX XXXX to vacated the judgement as per the letter - Exhibit # XXXX.She was informed that XXXX XXXX records indicate that and this was a valid debt still owed. XXXX refuses to acknowledge that this debt was fully adjudicated in the XXXX Court of Pennsylvania and had ended in XXXX XXXX Vacating / Withdrawing the awarded judgement. XXXX XXXX is clearly misrepresentation of the legal status of this alleged debt. They are in clear violation of 15 USC 1692e 807. : False or misleading representations ( XXXX ) The false representation of -- ( XXXX ) the character, amount, or legal status of any debt. XXXX and Equifax was supplied with all of the attached documents and this item remains as a reported debt owed with a balance owed of {$85000.00} with NO EVIDENCE to the Contrary. Equifax is in clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Re-investigations of disputed information ( XXXX ) Re-investigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( XXXX ) Determination that dispute is frivolous or irrelevant ( B ) Notice of determination ( C ) Contents of notice ( XXXX ) Treatment of inaccurate or unverifiable information making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Contents of notice A notice under subparagraph ( B ) shall include -- ( i ) the reasons for the determination under subparagraph ( A ) ; and ( XXXX ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Equifax has provided none of the above required information and continues to report a balance owed of {$85000.00}

Company response to consumer: Closed with explanation