Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and improper use of credit recording.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A /section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

MN Child Support Enforcement XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Amount : {$40000.00}. This amount is incorrect and falsification of what I owe in back child support and has violated my rights. I want this incurrie 's removed from all three Credit Bureau : XXXX, Equifax, and XXXX of my Credit Reports. I have disputed with all three Credit Bureau in XXXX and it was not removed yet. I have record that I do not owe this much, due to bi-wkly wages garnishment and Tax refund garnishment deductions every year! My son is XXXX yrs old and my obligations of scheduled payments was supposed to have ended on XX/XX/XXXX but was extended until XX/XX/XXXX per State of Minnesota Child Support Enforcement.

I want CFPB to permanently remove all open and closed accounts on all three of my Credit Reports, due to my legal rights to dispute these incurrie 's of all paid debt that was paid by me in full or agreed on a settlement to pay off debts listed on my credit report listed below on all three credit bureau reports : XXXX, Equifax, and XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, Paid in full or agreed settlement. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX Ref Case # XXXX. Paid off balance on XX/XX/XXXX. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX, Paid in Full. 

XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX, Balance : {$300.00} Closed Account Date : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date Opened:XXXX, CLOSED DATE : XX/XX/XXXX. 

XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX. 

Child Support Enforcement Acct # XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Balance : {$0.00}. 

XXXX Account # XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX. Balance : {$0.00}. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX. Closed Date : XX/XX/XXXX Balance : {$0.00}. 
Please delete and remove all open and closed accounts off of all three credit bureau report companies : XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation