Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Previously filed via CFPB Equifax # XXXX ; XXXX # XXXX ; XXXX  # XXXX : dispute date : XX/XX/2018. 

This Account originally disputed is under account number : XXXX and was reported by XXXX XXXX XXXX XXXX XXXX and to the credit bureaus under the dispute claim numbers above. I am refreshing my dispute of this account with the ( 3 ) credit bureau as it has come to my attention that the true reporting company is the parent company XXXX XXXX who are not recorded as such on my credit reports. I have been writing to XXXX XXXX XXXX XXXX XXXX for months only to find out that this company is not representing themselves truthfully. I contacted the ( 3 ) credit bureaus sending them proof of returned mail provided to me by USPS. The ( 3 ) credit bureaus have failed to acknowledge who is the reporting agent responsible for reporting inaccurate information on my credit files. It is apparent from my credit file that the collection company is XXXX XXXX XXXX XXXX XXXX trading from XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but this account is actually reported by the parent company XXXX XXXX . The ( 3 ) credit bureaus have failed to disclose their clients details even after years of disputing in writting to XXXX XXXX XXXX XXXX XXXX and the ( 3 ) credit bureausregarding the falsely reported account. The credit bureaus have written to me stating that this company is verified by them. I have attached copies of my latest letters sent to the bureaus and as you can see I wrote my letters in advance ( due to my employment commitment ) but I actually mailed them out by certified mail a little earlier on the XX/XX/2018.

Question to XXXX and Equifax as I have had no response as yet from XXXX  : How is it possible that you TransUnion and Equifax can claim that this account is verified when all mail is being returned as undeliverable by the USPS? Why has the ( 3 ) credit bureaus not updated this companies details so that I am aware of whom is reporting incorrect information on my reports? after numerous letters to you  informing you that the address for this company reporting on my credit reports is incorrect and that all mail delivered to XXXX XXXX XXXX XXXX XXXX has come back to me as undelivered? ( see attached certificated of mail and dispute letters ). I have received a response via CFB that XXXX have stated that they are unable to locate a file for me. Well, how can this be true when you are reporting this on account my credit report ( see attached ) ; I provided my driving license to you on line with my complaint ; I provided my  social security card on line to you with my complaint ; I provided a copy of my wage slip on line to you with the complaint ; I sent a copy of all letters and copies of certified mail on line to you with the complaint. 
At no time at all was I advised that XXXX XXXX XXXX XXXX XXXX is not the company responsible for reporting and I was never advisd that it was the parent company XXXX XXXX that I should have been addressing my disputes via mail. I have spent many months and incured expenses for the certified delivery cost to dispute this account and I am totally disgusted about the treatment I have recieved and I am now in the process of filing a small claims inrespect of these issues and intend to sue the ( 3 ) bureaus reporting this inaccurate account and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for the full amount allowed for each case. I have been informed by my attorney that I can sue for the min of {$3000.00} per count and I hope you continue this act of invisibility so that I can sue you all in the state of Florida in the XXXX County Court if this item is not removed from my credit files within 15 days. Please be pre warned.

Company response to consumer: Closed with explanation