Consumer complaint received 2019-07-02
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)

No, XXXX didn't address any of the issues in my complaint. As a matter of fact they told some things that were not said by me. While I was in dispute with XXXX they put this debt on my credit report. I should have had thirty days to respond and get a copy of my warranty on the carpet. Also, I should have been given credit for the depreciation of the items listed in the debt and I asked XXXX through certified mail to provide me with these documents. I made a payment of XXXX on XX/XX/XXXX to XXXX and when I went to XXXX XXXX the next month to make another payment the leasing agent told me that she couldn't find where I owed them anything. I didn't agree to pay XXXX  anything through XXXX XXXX XXXX I asked Ms XXXX, Ms XXXX, and Mr XXXX what are my options of payment if I agree to pay XXXX to be done with this debt. I didn't agree to pay anything other asking how we could get this matter settled and what the options were but I kept getting different answers from different people at XXXX along with threats of refusal to pay it created a situation for me and at first I was going to succumb to the threats to pay because I needed to move but then I thought about it and I decided to fight for my rights .I was in the process of moving and because they had already put this debt on my credit report while I was waiting for them to respond to my request for documents to validate this debt and I needed to move but I lost the apartment due to their unfair debt collection practices of not giving me the thirty days to get the documents I had requested to prove /validate the debt. I still haven't gotten the documents. I spoke with three people at XXXX and I even went back to the XXXX XXXX and they still had no record of the debt.Ms XXXX said I could settle and pay the XXXX which I had sent them in the certified letter just to get it settled and so that I wouldn't have to dispute them through the credit bureaus. Since they put it on my report before we had a chance to settle it was no reason for me not to fight for my rights.I asked her if they would give me a letter stating that it was paid she said yes. When I spoke to Mr . XXXX he said no that was yesterday now you need to pay us cash by XXXX or I'll put down you're refusing to pay and he didn't want to give me a letter showing that I had paid. Ms XXXX is the one who told me that they couldn't take my dads credit card I would need to pay XXXX cash at XXXX XXXX cashing and that any form of payment would have to be in my name only and that it would have to be cash that day. I was told that the conversations were being recorded and that would be sufficient as proof that I had paid. They need to remove this debt off of my credit report and follow the fair debt collection practices. I asked for a warranty on the carpet to see if they were trying to charge me for four year old carpet and at what price and XXXX representative 's just said it had a five year old carpet warranty and has never showed it to me or how they came up with the cost. I also questioned the amount for painting a apartment knowing that when a tenant moves out an apartment company have to paint anyway to make ready for the next tenant. The furniture was used already also everything including the carpet was used it wasnt an upgraded apartment. I lived there two years so when did the depreciation get applied. Also there were four tenants so how do the collection agency/XXXX justify charging each tenant XXXX or only charging me for everything that they are charging to me? I was notified in XXXX or XXXX of XXXX about this debt and within two weeks it was on my credit report. I have asked each of the bureaus to remove this debt because it is not a valid debt and they have told me that XXXX proved it to be valid but the original creditor who I had the lease can't find it so I want to see the proof the bureaus have because I know its not valid. I have pictures showing how the apartment looked after we moved out.