Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I keep disputing XXXX particular accounts with Equifax that have not yet been resolved to my satisfaction. The XXXX account is a collection account with XXXX XXXX XXXX. Initially when I first saw this item on my credit report, I was unfamiliar with it and almost 100 % sure that I had never dealt with this company before. However, I just went ahead and paid it. This account was paid over the phone by credit card to XXXX XXXX on XXXX XXXX. The amount was {$75.00}, however I paid an additional {$9.00} fee due to the fact I used my debit card. A grand total of {$84.00} was paid. I was assured that this would take care of the debt and the account would be deleted from my Equifax credit file. Unfortunately, it has been over 2 months and this item still reports as an unpaid collection account. I have disputed this item at least twice yet it is remaining unchanged. I have my bank statement and a receipt from the company proving that this account was paid in full. The next item that I have disputed multiple times without resolve is with XXXX. This account is also a collection account. There are several issues with this account. First, this account was removed last year but was reinserted on all XXXX credit files. Secondly, I knew nothing of this collection account until I started doing credit monitoring using XXXX XXXX. I was not familiar with the collection agency or original creditor nor had I ever been contacted by either. I later researched this account by tracking down and contacting the original creditor to determine if this was in fact a valid debt. Upon contacting the original creditor, I did determine that the debt was valid and immediately made payment to the original creditor by phone. Upon a closer look by the representative for XXXX XXXX, it was found that they had the wrong address and phone number for me that is why a debt from XXXX slipped through the cracks. When I was in XXXX, I had so many doctors coming in and out who were not my doctors but they still had fees for providing care to me. This is what caused me to question what was being reported on my credit report. Nevertheless, once I paid the {$210.00} over the phone to the original creditor, I contacted the collection agency and notified them of the payment. I dealt with a very rude woman who did not seem happy that I paid the original creditor. As a precaution, when I saw no changes, I disputed this account information. I even attached a file that contained the receipt from the original creditor. XXXX and XXXX deleted the account but it was still reporting as unpaid on Equifax end. I disputed again but the online system was having issues with my attachment ( receipt ), so I submitted it without the recipt. This time it was updated to paid. However, this account should have been removed from my file because it was reinserted and I had no dealings with the collection agency. This account was removed in XXXX of XXXX and reinserted XXXX of XXXX.

Company response to consumer: Closed with explanation