Problem with a credit reporting company’s investigation into an existing problem

Posted on Posted in Complaints, Finance

review

Th e Problem is Equ ifax refuses to actually investigate a collection on both mine and my wifes Equifax Credit Reports. Bec ause if they did actually investigate they would have deleted the information. We called the number supplied on the equifax credit report for XXXX XXXX XXXX XXXX , gave them both of our social security numbers. They said we do not currently nor have we ever had an account for you or your wife.In XX/XX/XXXX we found an apartment that we wanted and were turned down because of an item on our credit report so we looked at our reports and there was an item on my report and my wifes that said we owe XXXX from a collection agency XXXX XXXX XXXX XXXX . Original creditor XXXX XXXX in XXXX OH. We called XXXX XXXX XXXX On XX/XX/XXXX at XXXX while waiting to go in for an appointment with XXXX XXXX XXXX the cal l was transferred a couple of times and we ended up speaking to XXXX XXXX and he said they do n’t have any record of us in there system. We gave them both of our social security numbers they said we ca n’t find any account. Which makes sense because we did not owe any money to the original creditor XXXX . In fact we got our deposit back from them when our lease was up XX/XX/XXXX . So we then called XXXX XXXX in XXXX OH. We told them about the problem and they said that the company was sold in XXXX and they have no records prior to the sale. We disputed the information with all XXXX credit reporting agencies. XXXX deleted the incorrect information in XXXX and we did get the Apartment.. We did not check back then to see if the other XXXX CRAs had removed the inaccurate information. We found out they did not so we began disputing the information again and finally got XXXX to delete the inaccurate information . Equifax contin ues to report this debt that we NEVER OWED even though we told them that XXXX XXXX XXXX XXXX and XXXX said we do n’t owe any money. They dont even have any records of us. Back in XXXX when we first reported the inaccurate collection we did not keep any record of the credit reporting agencies responses. Since that time we have started recording phone calls to the CRAS an d the furnishers when we realized we needed some way to make Equifax do what they are supposed to do according to the FCRA. We called and recorded the conversation with XXXX XXXX XXXX XXXX on XX/XX/XXXX and they said they have no record of us in their systems and there is nothing that they can do for us. Equifax has given different answers to the reason they have not deleted this One answ er was Verified as Accurate ( which could not have happened ) and another answer Equifax said We have reviewed your concerns and our conclusions are : The following disputed account or inquiry is currently not reporting on your Equifax credit file : XXXX I do not know any account number but on the report from Equifax had this for an account number XXXX . They required an account number for the dispute so we used that because that is what was on the Equifax report that we had. So Equifax is saying XXXX is not currently reporting on my credit report but it is. They added a consumer statement to our file. We paid for a report from Equifax to see if this was removed it is still there collection agency XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX . Balance XXXX Equifax will not delete this even though there is no way they could have verified it as accurate because we spoke with XXXX XXXX XXXX XXXX and XXXX and as I said we started recording our conversations when we call them. XXXX XXXX XXXX said we are not in their system and that was it. They said there is nothing we can do for you. XXXX says they have no records prior to XX/XX/XXXX and it was XXXX when we moved out at the end of our lease and got our deposit back. Please make Equifax delete this collection from our accounts. My last 2 disputes o ver this with Equifax were dispute number XXXX and dispute number XXXX . Phone number XXXX XXXX XXXX XXXX XXXX . Phone Number Stonebridge Apartments XXXX . We can provide you with the phone recording if you need it.

Leave a Reply