Consumer complaint received 2015-03-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has listed on my credit report a debt that was abolished by XXXX XXXX in XX/XX/XXXX. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX XXXX agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. Experian keeps verifying the debt as valid because XXXX XXXX is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. 
Equifax also has an account listed by XXXX Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by XXXX by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly. 
Equifax is also listing the erroneous account by XXXX XXXX as past due in the amount of {$1500.00}. Equifax also has several collection accounts that have been paid and I have provided written proof supplied by the collection agency for medical bills. The companies are XXXX XXXX XXXX XXXX XXXX and XXXX collections. The collection companies agreed to delete the entries electronically but they remain on my credit file. 
Additionally, XXXX XXXX XXXX has an open claim with XXXX XXXX for damages on a vehicle that I rented in South Dakota from XXXX thru XXXX while on of several travel contracts for work at XXXX XXXX XXXX. I was never notified and allowed to investigate the validity of the debt. When I realized it on my credit report, I called XXXX XXXX and spoke with XXXX XXXX who agreed to delete the entry if I paid her because she did not believe the XXXX would pay the " extra fees ''. The was minor under baggage damage that was not visible to me when the vehicle was returned. I was made aware of the collection efforts when I checked my credit earlier this year. This account appears on my Experian credit report and was verified as valid. I never received notice of the debt. I was never allowed to investigate the validity of the alleged debt. 
Lastly, XXXX XXXX XXXX was paid {$720.00} in XX/XX/XXXX in an effort to have them remove a collection from my Transunion and Experian credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.

Company response to consumer: Closed with explanation