I have disputed this alleged debt by XXXX XXXX XXXX XXXX to equifax 3 times and to XXXX. XXXX investigation took awhile and XXXX removed it from my report because it was not my debt, where as Equifax emails me the next day with the outcome " remains " and that " belongs to me '' with no other information. I had take matters into my own hands and I sent mail to this XXXX asking for correct validation and I received a letter from them stating it was not my debt. So this goes to show how much of an investigation they really conducted. Not much of one, if any at all. 
Not only this but after I disputed, my fico score dropped XXXX points. I went and bought a report and nothing had changed, literally nothing. I monitor all three reports and equifax never updates. For example, I have XXXX credit card with a limit of XXXX and had a balance of XXXX. I made a payment prior to even getting a statement or bill of XXXX. 
Equifax shows my house payment, my car, my credit card all a month behind vs the other credit agencies showing XX/XX/XXXX being pays as agreed.. They have not updated the report since XX/XX/XXXX and its XX/XX/XXXX. Also I pay for credit score monitoring via myfico and why are they reporting a XXXX point drop when there are NO changes in my report anywhere ( other then I made a dispute ) This is the worst credit reporting agency and we as consumers need our reports to be accurate and updated. I 've been waiting for them to update because I want to get different insurance for auto and home and you never know what insirance companies report they will look at. I see that experian has updated my accounts. What 's the problem here? They are completely incompetent. We rely on these companies for very important aspect of our lives and I have a really difficult time to think they take it as serious as we, the consumer.