Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have never used my credit before in my life and I am XXXX. I dont know any merchant on the report but the hospital I went to and they didnt have my permission to share my information. The billed me without my validation of the debt. No one reached out to me. No one has spoken to me and some of the debts are from XXXX and they are too old to be trying to collect. Every other day they add fees to a debt that I just saw and on XX/XX/XXXX. When I went to the hospital I had no insurance and I was homeless. No one offered any financial assistance or provided me with any resources for financial aid! The Debt collectors have ruined my entire life before I could ever use my credit! I dont know who to report the hospital to for not following the guidelines when they receive funding for these things. They also violated my privacy. Any signature they produce was while I was XXXX XXXXXXXX XXXX XXXXXXXX. They mark the places to sign before the hand you the paper at XXXX XXXX XXXX XXXX. Not allowing me to understand what Im signing for. Being XXXX  this situation is not making my XXXX any better. I want these negative remarks deleted and I want the financial assistance that the hospital was supposed to provide me with because I over qualified for the program. They are supposed to have the form for assistance visible and they are suppose make sure patients who qualify are presented with the information. XXXX XXXX XXXX XXXX sent out a letter that violates my rights pertaining to how the sent a letter with the incorrect information on the letter. They never offered me a chance to validate the debt. They are telling me what I owe without me knowing what this is for the hospital never sent me a bill. They only gave me papers on diagnosis. Not the charges and a breakdown of the fees!! I dont know what to do because every right I have has been broken by XXXX AND THAT UNVALIDATED, UNVERIFIED, ALLEGED DEBT THAT I KNOW NOTHING ABOUT. I dont even know what the hospital visit was for or what they did for {$49000.00}. I went back yo the hospital over the years and they not once mentioned the debt since XXXX, now its XXXX and they have other companies with my XXXX information and its embarrassing for them to see that I tried to kill myself I really dont like that. Im mentioning it now because its out there for the world to see. I just want to see the agreement I made claiming this debt! I have never seen the contract I signed with them validating that I owe them. All information is invalid and overcharged with all kind of fees. Plus I was eligible for financial assistance from a government program the hospital collects money for and I was not informed neither was I made aware that I owed any debt. This is my first time hearing about this debt in XX/XX/XXXX this credit report needs to be investigated by law because ifs full of fraudulent charges and unfair and unvalidated unclamed and alleged debt with double the original charge that I still never claimed up too because I never got a bill with an explination of the device provided and a bill. Plus the financial assistance program that homeless people qualify for. Not to mention everyone can see my information on my XXXX  attempt this is ridiculous Ive tried multiple times to reach out to each company and the customer service is as poor as they have my credit score please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on top of XXXX and other disorders that companies get to see without my permission they have violated all of the lies. Everything on the credit report is invalid and I dispute the entire report. Ive never met or had any communication pertaining any debt ever from XXXX XXXX XXXX XXXX.please help me this is a real problem that is only getting worse because they doubled each bill that already had no assistance added to it, my care was supposed to be free under the policy they have for people below the XXXX XXXX I was well below that line with no where to go. This is the worst situation ever and all these big companies make me feel like people like me have no voice and no choice but to take whatever they do to me because Im a broke disabled individual. Its a shame the way they get to handle business. It is so depressing and life threatening for me to be in this much bent and stress when the hospital can not provide the correct care because the doctors are all unqualified to do any surgeries or major operations. So the bills the are alleging are not valid at all I believe the came up with this amount because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They couldve reached out to me or attempted to help me with the financial assistance program but the y purposely left me unaware of the assistance just to charge me extra fees with no explanation of what the service was I want the original contractS. Which I didnt know I had the right to read the paper they rush you to sign your signature so I dont know what they had me sign but I know that I never saw a button from the original service provider. If I need to explain more I will please help me get this resolved. I am tired of going to the XXXX XXXX on a XXXX because of debt and not being able to finance what I need. I will pay my bills if they are the right bill from XXXX XXXX with a breakdown of the service and charge which is my right by law