Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Last month, I submitted a dual complaint re : Equifax and Transunions handling re : problem with a companys investigation into an existing problem. 

To recap, I provided the original contract and a complete audit for XXXX XXXX XXXX, a company whom I leased an apartment from ( details in lease as provided and advised ) regarding an alleged collection attempt for a debt that does not exist by a company I have had no engagement nor a contract with. 

My complaint is detailed and includes all factual information necessary for Equifax and Transunion to action the required error updates on my corresponding credit reports with each bureau. In response to my detailed complaint, Equifax and Transunion each sent a letter stating my identity can not be found although each has corrected incorrect credit report line items as recent as this year and my information was easily located. 

I believe Equifax and Transunion are failed to adhere to lawfully required actions to verify information and instead are attempting to contact me directly with a fluffed justification as to why my report is not being updated and although I provided counsels contact information if additional communication is required. I am again including the original compliant, all original supporting attachments necessary for verification and immediately removal. 

Re : Equifax XXXX Re : Transunion CFPB XXXX Equifax and Transunion has failed to complete required thorough due diligence as required by law, which impacted my credit profile. Fair Collections and Outsourcing ( FCO ) claims to be collecting on behalf of credit XXXX XXXX XXXX. I have no contract with FCO nor have I had engagement with the company. Hub XXXX XXXX is a company with whom I leased an apartment. 

I am attaching a complete and fully executed copy of said lease. In the lease, one will observe the term of the agreement and corresponding payment confirmations as provided by Conservice / Residenttools. 

I have included each confirmation e-mail corresponding to payment for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( final payment of lease term ). Where I was unable to locate direct e-mail confirmation and I have no means to retrieve similar confirmations directly as I do not have access to my existing account, I have included bank statements as issued by XXXX XXXX for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In XX/XX/XXXX, a promotional credit was applied to my account as move-in incentive. I have also included the thread with management where on XX/XX/XXXX, XXXX XXXX confirms the same credit and thus XXXX XXXX XXXX statement reflects the total due, less move-in incentivizaiton concession credit. Whereas each following month reflects the total due as referenced in the complete lease agreement. 

Finally, I have included payment confirmation for 1 ) first months rent 2 ) security deposit. The alleged debt does not exist and FCO is illegally attempting collection activities. I have provided all necessary information for this account to be removed immediately. Additionally, I encourage the team researching this matter to contact XXXX XXXX / XXXX XXXX for additional information as needed.

Company response to consumer: Closed with non-monetary relief