Consumer complaint received 2020-03-20
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)

I retrieved a copy of my credit reports ( see attached ) and noticed that XXXX XXXX had placed an entry on my credit reports. I have never conducted any business with this company, nor had I ever received anything from them in writing. More specifically, being that they placed this erroneous, inaccurate entry on my credit reports, they never communicated in writing to me regarding the alleged debt. Moreover, they violated my consumer rights by doing so. Consumer law provides a collection company must send a dunning letter to a consumer when alleging a debt is owed and grant 30 days for the consumer to dispute the validity of the debt. They were negligent and blatant in placing this entry on my reports as I was not notified. 

In XX/XX/2020, I communicated with the credit bureaus in writing ( see attached ) disputing the validity of the entry. I did not receive a timely response from Equifax. I communicated in writing to XXXX XXXX, sending my dispute of validity to their entry/claim, certified mail, to the address reflected on my credit report ( see attached ). I did not receive any notification from them until XX/XX/2020. This is well over 30 days. In their response, see attached, they state that the letter was sent to the wrong address. This is untrue as they report their addresses to the credit bureaus with their subscription. My letter was mailed to the address reflected on my credit report at time of the dispute ( see attached ). 

How then did they receive the letter if it was not the correct address? Being that I sent it certified, why was the letter not undeliverable and returned to me? This is a mere stall tactic on their behalf for not responding in a timely manner as required per law. Additionally, they state that they will update the entry with the credit bureaus on XX/XX/2020 as disputed. This account should have been marked as disputed with the initial letter sent to the credit bureaus as this was my initial dispute. Being that Equifax claimed that the account was verified by XXXX, it was the responsibility of XXXX to update the bureaus with the account marked as in dispute. Why was this entry not flagged as in dispute from my first dispute with Equifax if Equifax communicated with XXXX. Additionally, this dispute with Equifax would have alerted XXXX that I was indeed disputing this entry they placed on my report. So for XXXX to state, my dispute letter went to the wrong address, why didn't they communicate with me in writing once they were alerted by Equifax of the dispute and then they verified with Equifax as per Equifax. It is not my responsibility as the consumer to send my dispute to any other address other than that which is reflected on my report. If they change their address, they must update it the bureaus and not penalize me as the consumer for what is reflected as their address on my report in order to communicate with them. This is yet another violation. 

In my first letter to XXXX, for which they failed to address in their response, I requested debt validation. I specifically requested : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary None of the above validation requests were answered in their response thereby prompting me to question the veracity of this entry being placed on my credit report. If XXXX XXXX truly has evidence and documentation to support/justify their placing this inaccurate entry on my credit report, why have they not provided it? Too, they did not provide any documentation bearing my signature. Why, if they are stating the alleged debt is valid. Where is the account record for this entry? 

Lastly, XXXX is responding to my second communication to them. They did not respond to my first dispute sent to them. When they failed to respond within 30 days, my second request, sent certified was for them to cease collection efforts and remove the entry from my report since they were unable to validate their claims. That is my right. They had 30 days and did not respond, yet they want to continue to damage my creditworthiness with information that is unverifiable and inaccurate. I also sent a certified letter to Equifax as well to delete the entry from my report given that XXXX did not provide a response in a timely manner. Why did they not provide me copies of all correspondence they should have sent to me prior to inserting this on my credit report? Again, this reflects the contradiction with XXXX communicating with the bureau, yet not with me. At any rate, this entry must be deleted from my credit report.