Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

For two years I have been trying to get XXXX XXXX and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. 

I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. 

Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. 

Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something I dont owe. I refuse to pay for their error. 

Now, XXXX XXXX is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. 

HOW!?!?! 

XXXX and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. 

They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either.

As far as XXXX XXXX, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to XXXX and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. 

The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.