Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have been dealing with this issue since XXXX XXXX. I applied to rent an apartment, and the agent to me I had to pay a larger deposit because of a collection account from, XXXX, where I owe another apartment complex. I told her NO, I have never heard of that because I left my last apartment, XXXX XXXX in good standing with no balance owed. I have never heard of XXXX, nor was I ever contact by them or received anything. So she says I should contact that apartment and inquire. I did exactly that, and I spoke with the Regional Manager the first time I called and he said to give him the apartment number and he could look it up by that way. He did so and said he could not find me in the system. He said to contact the previous property management, which is XXXX. I contacted XXXX by email and the reply was, " All records pertaining to XXXX XXXX were turned over upon sale of the property. You will need to speak with current management. '' Ok, so I contacted XXXX XXXX again, the new management is XXXX. I spoke to XXXX different leasing agents, told them what XXXX said, gave them the apartment numbers again, and they said I am not in system owing anything. I contacted XXXX again, and their reply was the same as before. XXXX, now its XXXX XXXX after all the back and forth with trying to clear account info up with apartment and still no resolution. I start disputing with Credit Bureaus. No issue with XXXX, they deleted XXXX from my report immediately. Equifax and XXXX XXXX did not. I have been disputing with XXXX. I have disputed 6 times with Equifax, and probably the same amount with XXXX XXXX. I tell them the whole situation. I asked them to contact the original creditor, XXXX XXXX, but they never do. I sent in documents where I sent a certified letter to XXXX. Still, no reply from XXXX. I have the return receipt from the postal service, where the collection company signed for letter, but still no reply. I called XXXX and the representative, yelled at me and hung up while I was talking to him. XXXX XXXX, XXXX, I sent an email to, XXXX XXXX, the Senior Vice President of XXXX. XXXX XXXX, XXXX, I actually drove XXXX hours to XXXX XXXX apartments to speak to someone in person. A leasing agent got someone I assume from billing, at least that what she said. That lady told me she could not help me because I was no longer a resident. XXXX XXXX, XXXX, I hear back from XXXX XXXX. She gives me a number to call her. I did so and explained to her the whole situation. She said she does not have jurisdiction, but for me to dispute with credit bureaus. So I am still filing disputes with bureaus, but nothing. I at the end of what to do to get the collection that I do not owe off my credit report. It makes no sense that I would not pay a balance owed, according to credit report of {$170.00}, when I was paying over {$800.00} a month rent. There was a forwarding address for me at XXXX XXXX apartments. If I had remaining balance, they had my address to send me the bill. I left XXXX XXXX with no balance owed. It almost a year and it is still not deleted from my report, even after all my evidence, research, and information. I am requesting XXXX be deleted from Equifax and XXXX XXXX, due to the fact all companies involved ( credit bureaus and XXXX ) failed to provide me with requested information, and conduct a thorough investigation with the original creditor. Still, to this day, XXXX XXXX, XXXX. I have received nothing from XXXX, no cooperation from them. Please delete from my credit report. Attached : Proof of documents pertaining to my research. Thank you.