Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I am filing this complaint because of a collection account that was placed on my credit report in error and deleted over 3-4 times only to reappear once again recently. This negative account has not only affected me financially but has taken a toll on my general well-being due to the continuous stress it has caused me. It has also prevented me from being approved for housing, a necessity. This collection item was initially placed on all three of my credit bureaus reports however after providing proof that it was incorrect, the account was deleted from all three only to reappear on Equifax and XXXX several times since then. I have spoken to Equifax and XXXX representatives each time it would reappear, and it would be deleted after providing proof that it was indeed erroneous. This account has been deleted in re inserted each time without any notification. I can call Equifax and XXXX yet again and do and dispute by phone but at this point its getting pretty redundant. The account is listed below. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Acct # : XXXX The collection Item is from an apartment complex that I have never lived at before. The most recent proof I have submitted to the bureaus is the attached document that they, the apartment complex, has sent me stating that they have no documents or records in their systems under my wife XXXX XXXX and myself XXXX XXXX. This document was sent certified mail to Equifax and XXXX. The item was deleted. I was never notified when this account appeared originally on my reports nor was, I notified each time it was re-inserted on my credit file. I have been doing research and found that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I was never notified when this happened. It was only brought to my attention when applying for credit and being denied. Can you imagine the stress  and embarrassment this has caused me time and time again? I applaud XXXX for deleting and doing what is right and not violating my rights as a consumer. However, Equifax and XXXX need to do the same. This whole ordeal has just been an ongoing travesty. 

Most recently ( XX/XX/21 ), I sent a certified letter to this creditor demanding all information they had pertaining to this account as I am seeking counsel if I can not get it resolved and I have yet to get a response. Attached you will find copy of email from the original credit stating this is an error because they do not have me in their system, also a cop of the certified letters sent to XXXX, Equifax & the original creditor. 

The only resolution is for XXXX and Equifax to delete this account from my credit report for good and to never reinsert it again. Just as XXXX has done.

Company response to consumer: Closed with explanation