Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
Since XX/XX/XXXX I have been disputing with all 3 major credit bureaus that there is false information on both my report as well as my husband 's concerning creditor XXXX  XXXX XXXX - Acct XXXX, This is an erroneous reporting and is in violation of the Fair Credit Reporting Act. All the bureaus will do is reply that the information is correct and it is NOT. They are not investigating this, they are simply taking the word of this company. I have provided the proof concerning this claim and they have failed to seek solid proof of the claim from this company that is falsely reporting on our credit. 
We do not owe this company rent. They kept XXXX of a deposit to cover the last 2 months of rent from us. What they did was inflate and falsely accuse us of damages over XXXX, deducted the deposit and tried to stick us with a bill that I disputed and that they have now reported. I was the realtor in this transaction for my husband when this home was purchased by XXXX XXXX XXXX XXXX ( XXXX was their property management company and the one who has reported this ) - I have the inspection report showing everything, along with pictures as it pertains to this home. We lived there for 1 year and moved out on XX/XX/XXXX when we closed on another home we were buying. They are reporting this day as the first day of delinquency. My dispute, as I have explained over and over to the credit bureaus, is they need to show us where and what they claim was damaged because there was nothing damaged by us. It was just my husband and myself living in this home and as I mentioned, we were there for just 1 year. For them to simply say it is accurate is not sufficient. This company needs to show the damages they claim were done, ( pictures ), not just a bogus list. This reporting looks like we owe rent and we do not. I have emails showing that upon moving in, we had to hire an exterminator to treat the home for fleas and paid out of pocket. I can also prove that my husband installed sink stopers, repaired a ceiling fan and a piece of rotten board on the back deck per the request of THEIR MAINTENANCE crew member, in exchange for compensation, when the home was purchased by XXXX XXXX XXXX XXXX. There was also negotiations that took place to repair a significant foundation crack located around the garage area of the home. I negotiated the repair with the seller 's agent and the price of the home was reduced in lieu of the cost of the repair which was over XXXX. The company did not make the repair even though they knew we were in an agreement to rent with right to purchase at the time. This was dishonest on their part as well. They ended up with XXXX more than they should have received and stuck the would be purchaser with the cost of getting this fixed. 
They instructed that we leave the keys upon vacating the property and offered no walk through. I have photos, the original inspection report and a video where I can prove no damages and that we do not owe them the money they have falsely put on our report. The credit bureaus have done nothing to investigate this although I have provided documentation to support my claim. The photos that they have on XXXX when advertising the property for rent look the same as the inspection report and when we moved out. There were NO Damages to this property.

Company response to consumer: Closed with explanation