Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In complaint number XXXX, I provided statements and evidence of multiple factual based reporting inaccuracies that by FCRA laws constitutes this account being removed from my credit file, yet Equifax still continues to report the account showing the those same incorrect, unverifiable values. They keep re-inserting this account with incorrect information that can not be determined without a true full on investigation. If you look at the response from Equifax referencing the credit entry, you can blatantly see multiple issues in the way they report the account. A paid-off and closed child support account with a XXXX balance that has never been late or in arrears should never report to a consumer credit file 1st and foremost. Arizona Law only reports a child support case to a credit file if it is {$2500.00} or more in arrears. If Equifax did any sort of true investigation, they would and should know this law before ruining someones credit standing and continually re-inserting an account with incorrect reporting data ; also, if there is a 10 year statue of limitation on the reporting of a XXXX balanced child support account, the timing of the entry drop-off date starts from the date of last payment, not the date that the account was closed ; Equifax does not even report the date of the last payment, or any payments in this matter. What criteria are you basing your statue of limitations date off of? They are attempting to keep re-inserting this account over and over again for the rest of my life with no prior warning as they have been doing for 13 years illegally and nothing 's being done about it. They also report the account as closed as of XX/XX/2012, yet under account type they report it as open. How is it possible for you to report an account closed and open at the same time and say in your letter that this is accurate reporting? In addition, they have this entry portraying my XXXX  as an open line of credit by stating under status column, '' pays as agrees '' as if the account is an active and open line of credit. This is pure unadulterated consumer file sabotage and if the CFPB doesn't apply any sort of pressure or fines for these illicit activities and make these corrupt companies comply with the law, then the CFPB is complicit and a major part of this credit reporting problem. I pointed this out in complaint # XXXX and Equifax still didn't correct the information or remove the account. Equifax is ignoring my investigation request and using XXXX which just to justify them sending any kind of response. They're not investigating anything. They are willfully and recklessly reporting false information even after being notified of the reporting errors and failing to investigate or correct the error. If a furnisher requests for a credit reporting agency to report accounts with incomplete, unverifiable, inaccurate information, the XXXX must deny the request as you can only report information that is 100 % accurate. Instead Equifax has taken dark money from one group and decides to corruptly ruin consumer files on the paying furnisher 's behalf. XXXX XXXX is not a loan, a line of credit, nor a judgment, and therefore should never touch a consumer credit file if the consumer has never fallen behind on payments.

Company response to consumer: Closed with explanation