Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been contacted via written mail and phone on numerous occasions to address a significant error in their account management and credit reporting. This company was mailed a certified letter the week of XX/XX/XXXX and has not responded appropriately which is immediately grounds for deletion and remedy for falsely reporting. Below I will provide all information in relation to this account as a means of transparency to expedite the remedy that is required at this point in time. 

XXXX was contacted in late XXXX of this year when I was doing a personal audit of my credit reports from the 3 major bureaus : XXXX, XXXX and Equifax. During this time I discovered multiple incorrect and false/misleading items on my reports of which I educated myself on the laws and rights that protect me from fraud. This is the only account listed in collections on all 3 of my credit reports and I can firmly verify the account is not mine. When I received a letter in the mail from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the only document ( s ) in the envelope included a document labeled final bill with my name on it from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number, amount of debt of {$380.00}, XXXX number and a summary stating : enclosed please find a copy of the document ( s ) that substantiate this debt ( see attachments ). The date listed is XX/XX/XXXX which is before the certified letter listed above was sent. When I contacted XXXX via phone on or around XX/XX/XXXX, they firmly stated that I have no debt with them. When opened a new policy with XXXX in XXXX of XXXX, they required me to pay a past due balance of which at the time deemed likely to be this said debt listed on my credit report. I paid the balance because XXXX would not allow me to open a policy until that was taken care of. When I noticed after I paid this balance that this did not come off my credit report I contacted XXXX to politely get clarification on what the problem is. They requested I send proof of payment to XXXX which I did via their instruction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They then claimed that this was a different balance owed through XXXX I have never signed a contract with XXXX, do not have any agreement with them or obligations whatsoever, and never authorized XXXX to share my personal information. When contacting both companies, neither company could give any proof of any contract or debt to be owed and this is a clear indication of fraud. I have since filed an FTC report for the identity theft related to this matter as well. Again XXXX confirmed I have no debts with them and I know for a fact I have never even heard of XXXX until I noticed it on my credit report. 

In my attachment you will see the information had being requested which substantiate any potential debt and verify whose it is. As you can see in the attachment the document sent by XXXX is simply a bill and proves nothing other than XXXX illegally in possession of my personal information. 

1. Validation of the debt ( the actual accounting of said debt ) 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Georgia State Statues for Lawful Purposes. ) 3.A copy of the contract signed by both parties and therefore binding both parties. 
4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations XXXX and what actions he or she has taken in relation to this account. 

This has negatively impacted my credit report for years and affected by ability to obtain credit ultimately affected my physical, mental and emotional well being. Equifax is also clearly not conducting the " reasonable investigation '' seemingly required by law. I am certain the CFPB will hold these parties responsible for this negligence. 

In the attachments I have provided images of the documents sent by XXXX dated XX/XX/XXXX, copies of equifax and XXXX dispute results ( relevance inquiry explained below ), copy of the FTC report filed today against XXXX, and letter send to XXXX XXXX. 

Please note the equifax credit dispute results exemplifies the lack of investigation into this false and misleading report information and the transunion credit dispute results exemplifies yet another inconsistency between involved parties on this account. Specifically you can see on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX was the original date that I was required to pay past due balance in order to open XXXX XXXXXXXX XXXX It says last payment made on collections account was XX/XX/XXXX in the amount of {$370.00}. Which would be close to the amount of {$370.00} that XXXX claims is the amount of the final bill sent to me in a clearly lazy attempt to substantiate the potential debt. If there was a payment received for the entire original amount ( the cents don't match either which is grounds for removal ) why is there showing a {$380.00} balance to XXXX on my credit reports. 

In conclusion, there is no debt and the non-existent debt does not belong to me. Please expeditiously help in resolving this matter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief