Consumer complaint received 2020-05-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have been disputing an error over and over again with Equifax for the debt collection company XXXX XXXX XXXX XXXX. I have been disputing this for some time and i dont think equifax is properly investigating this account. I recently disputed error on XX/XX/2020 and on XX/XX/2020 Normally investigation time from is 30 days but the results i have received end up being less than a 15 day time frame and 2 days right after i filed complaint. I do not agree with XXXX XXXX XXXX  and the amount they are stating i owe in the amount of XXXX dollars for apartment complex XXXX XXXX XXXX  under XXXX XXXX. Ledger that i received a year after i vacated the property states i owe this because i skipped out without notice. That is not true because i provided written notice to management prior to vacating apartment well in advance the lease requires that we provide a 60 day written notice which i did. Management agreed to let me out of lease with no penalties or fees. No where in the lease does it mention a XXXX fee for failure to give notice.i have requested an early termination addendum from collection agency. The collection agency provided me in an email the ledger balance, and lease agreement when i asked for proof that i owe this amount. I have a ledger card and lease agreement that does not show or prove that i owe this debt. I asked company why ledger card was not signed off by management and where was my writen notice i provided to manager they did not have an answer. Lease mentions a XXXX XXXX fee for early termination but management stated i would not be responsible because of all the safety and health issues that i had at unit. This included mold, sewer, break in, water leaks, no ac .I sent XXXX XXXX XXXX  a certified letter requesting they send proper documentation still waiting on response. When i tried to dispute this with XXXX XXXX XXXX they tried to bring up an debt that was 7 to 8 years old and state that this was on my rental history so how can i trust this company seem like all they want is money. I don't know if these charges came from XXXX XXXX XXXX  or was this created by XXXX XXXX XXXX.I have included proof and documentation when i submit dispute but Equifax keep stating that the results was accurate.XXXX XXXX XXXX stated if i show them proof of notice that they will correct error but i haven't seen any change to credit report nor has Equifax properly did their job. When i contacted XXXX and the original creditor XXXX XXXX XXXX  they state they don't have my file because they are under new management and that the corporate office should have it. When i contact XXXX they state they don't have my file either i really would like to know whats going on and to get this resolved immediately. Im also requesting that XXXX  and XXXX XXXX  present file because both companies are sending me around in a circle when i request it. because management from XXXX XXXX has not been truthful and i feel as she has no care or regards for individuals lying that i didnt provide a letter. Individuals like this are bad for business and corrupt and dont care for their tenants. I dont think its fair to be stuck out with this debt when she was supposed to do her job as management to upkeep the apartment and uphold the lease agreement. I did what i was supposed to do and i shouldnt have to live like an animal when i was paying rent their. They failed to correct the problems and i had many request to fix apartment and management failed to correct them so i wanted out and XXXX XXXX agreed.