Equifax Credit Reporting Complaint

Incorrect information on credit report account terms

Equifax Credit reporting department,

Incorrect information on credit report Account terms Texas

I have been dealing with this issue since - -. I applied to rent an apartment, and the agent to me I had to pay a larger deposit because of a collection account from, -, where I owe another apartment complex. I told her NO, I have never heard of that because I left my last apartment, - - in good standing with no balance owed. I have never heard of -, nor was I ever contact by them or received anything. So she says I should contact that apartment and inquire. I did exactly that, and I spoke with the Regional Manager the first time I called and he said to give him the apartment number and he could look it up by that way. He did so and said he could not find me in the system. He said to contact the previous property management, which is -. I contacted - by email and the reply was, " All records pertaining to - - were turned over upon sale of the property. You will need to speak with current management. '' Ok, so I contacted - - again, the new management is -. I spoke to - different


account info up with apartment and still no resolution. I start disputing with Credit Bureaus. No issue with -, they deleted - from my report immediately. Equifax and - - did not. I have been disputing with -. I have disputed 6 times with Equifax, and probably the same amount with - -. I tell them the whole situation. I asked them to contact the original creditor, - -, but they never do. I sent in documents where I sent a certified letter to -. Still, no reply from -. I have the return receipt from the postal service, where the collection company signed for letter, but still no reply. I called - and the representative, yelled at me and hung up while I was talking to him. - -, -, I sent an email to, - -, the Senior Vice President of -. - -, -, I actually drove - hours to - - apartments to speak to someone in person. A leasing agent got someone I assume from billing, at least that what she said. That lady told me she could not help me because I was no longer a resident. - -, -, I hear back from - -. She gives me a number to call her. I did so and explained to her the whole situation. She said she does not have jurisdiction, but for me to dispute with credit bureaus. So I am still filing disputes with bureaus, but nothing. I at the end of what to do to get the collection that I do not owe off my credit report. It makes no sense that I would not pay a balance owed, according to credit report of $170.00, when I was paying over $800.00 a month rent. There was a forwarding address for me at - - apartments. If I had remaining balance, they had my address to send me the bill. I left - - with no balance owed. It almost a year and it is still not deleted from my report, even after all my evidence, research, and information. I am requesting - be deleted from Equifax and - -, due to the fact all companies involved ( credit bureaus and - ) failed to provide me with requested information, and conduct a thorough investigation with the original creditor. Still, to this day, - -, -. I have received nothing from -, no cooperation from them. Please delete from my credit report. Attached : Proof of documents pertaining to my research. Thank you.

Equifax customer in Texas
Oct 27, 2016

* Source: CFPB Complaint Database

Equifax response to complaint:
Closed with explanation

Consumer disputes how Equifax handled their complaint

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