Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

I have 3 major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section XXXX # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. XXXX also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 
# 4 Equifax continues to report multiple " unknown medical collections '' without company name, address, phone number or any other identifying information ( see attached credit report pages ) and continue to " verify '' this information! How are they verifying these accounts when they do n't have the information??? 

Here is the body of my disputes to Equifax : I 'm proving that you are illegally reporting these accounts by not identifying their company name, address and phone number. How are you verifying these non-existence accounts? ( UNKNOWN MEDICAL # XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX UNKNOWN MEDICAL XXXX, XXXX were deleted from my XXXX report and reinserted on my XXXX report and I know for a fact that you did n't notify me as required within 5 business days under section XXXX! Remove this immediately! 

XXXX XXXX this was deleted from my XXXX report and then reinserted on my XXXX report and you did n't notify me of this reinserted account within the allotted time frame! Pursuant to section XXXX - remove this now! 

This XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different XXXX and then passed to another? How do accounts go from XXXX = & gt ; XXXX = & gt ; UNKNOWN MEDICAL = & gt ; XXXX = & gt ; XXXX XXXX XXXX = & gt ; UNKNOWN MEDICAL = & gt ; XXXX XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even XXXX of them has been verified! 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX and only XXXX of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on XXXX ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only XXXX of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX on XXXX and they are XXXX different companies! Only XXXX of them holds the account! Once again - double jeopardy! 

I 'm still telling you that these XXXX XXXX & XXXX XXXX XXXX are unknown to me and I need to see the documentation that you apparently have firsthand knowledge of! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 60 days late and # 2 I 'm sending proof that you are reporting this wrong! XXXXn has 30 days XXXX, Equifax has 60 days and XXXX has 30 days and all XXXX have different open dates! Fix this immediately!