Consumer complaint received 2015-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

The Credit Bureau I am continually having issues with is EQUIFAX. 
I was a victim of identity theft, and have worked on correcting all the fraudulent information with all XXXX bureas for five years. It has taught me to check what the bureaus are listing more than just once, annually. 
So, on XXXX XXXX, XXXX I was in a XXXX, which my terrible attorneys told me I should persue at a trial. Before I sought out legal advice I had told the hospital to please file my emergency room visit, and all my medical, with my medical insurance company. 
Several years later I was notified that MY ATTORNEY HAD ABANDONED MY CASE, and I would receive NOTHING to compensate all I had lost, all when the person at fault was heavily insured. 
These court proceedings finally ended in XXXX of XXXX, yet one week later I received a notice from XXXX Hospital that my account had not been paid, and therefore it would be placed in collections if I was not going to satisfy the entire balance. 
I phoned the billing administrator immediately, and not only did I ask " HOW '' that could be the case, since I had requested them bill MY MEDICAL INSURANCE IN FULL, but also that I had not ( until receiving that XXXX letter ) been guilty of ignoring a bill I had no knowledge existed, & that the case had just ended days before, much less 90-days late, putting it in default status, therefore collection worthy. 
The administrator told me, right away, that she would take care of this, because my records showed that I had signed all the hospital 's paperwork, & complied by giving the hospital all my insurance information at the time of my ER visit, and I should never have received a bill. 
I thanked her, profusely ; but was unaware that this {$0.00} ZEROED-OUT bill would show ANYWHERE within the XXXX credit bureaus. It is only listed with Equifax , and disputing this has proven futile, due to Equifax 's practices of failing the consumers by NOT listing any phone number where one might be able to explain what 's going on, and be advised about how they can go about having these types of things removed! 
Equifax is infamous for directing any & everyone to a website for all disputes. Well, what can one do if they are " willing '' to file the online dispute, but are told ( after entering all their sensitive data ) that " They can not do so because the information listed DOES NOT MATCH the information which Equifax has on file ''?? 
Throughout my fight to fix my credit, due to people who assumed my identity, I ended up having to file XXXX reports with the XXXX, and have stayed on top of the continual issues that still arise due to the felonious actions of others who will never be held accountable, although the endless proof I have against each XXXX. Should n't this be enough? 
Obviously, if you were to ask Equifax , their answer will be to " TAKE IT TO WWW.EQUIFAX.COMXXXX ''. 
It 's a shame when the XXXX credit bureau used by such a majority of the world 's businesses ... the XXXX most consumers feel they can trust to list only what is correct, due to the decades of time in which they have been monitoring the credit of all potential consumers feel as if they SHOULD NOT be held accountable for their crippling mistakes. They are a fine example of a business proving to everyone else their unbalanced sense of grandiosity, and have even gone to such lengths where they are allowed to begrudge human beings the opportunity/rights to even do what all other bureaus gladly " will '' do. 
I want to know " who '', besides the FTC, I can contact in light of Equifax 's business behaviors. I do n't feel as if Equifax should be immune to consequences when they are clearly going out of their way to intentionally make the quality of others lives so miserably complicated, and without good reason. I 'm all for " chain of command '', I simply ask to be steered in the correct direction. 
Most Sincerely, XXXX XXXX XXXX.