Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Again! I am disputing XXXX XXXX XXXX XXXX ACCOUNTS ( automobile, credit card, and unsecured loan ) I am tired of disputing, the obvious inaccuracies on these accounts and YOU, EQUIFAX CONTINUE TO MAIL ME MY CREDIT REPORT STATING THE ACCOUNT HAS BEEN VERIFIED, ACCURATE, IT BELONGS TO ME, which if the account belong to me was ever in question, did dispute, was the inaccuracies that you Equifax have continuously allowed. 


According to 15, USC 1681eb MAXIMUM ACCURACY shall be reported on the consumer report, which you Equifax have felt to do on numerous occasions last dispute here on this CFPB website I submitted documentation, and I marked every single in accuracy that needed to be removed and yet you still did not do your due diligence, which is required by LAW! 


A charged off account is an account that is dormant/dead. It is not continuously report on A CHARGED OFF ACCOUNT IS A ACCOUNT THAT IS DORMANT/DEAD. IT DOES NOT CONTINUOUSLY REPORT ON A MONTHLY BASIS. THE MONTH AND THE YEAR THE ACCOUNT WAS CHARGED OFF IS THE ONLY TIME THAT ONE TIME IT SHOULD BE REPORTED. TWO OUT OF THE THREE XXXX XXXX XXXX XXXX ACCOUNT CHARGED OFF IN XX/XX/2018 AND THE THIRD CHARGED OFF XX/XX/2018. 

IT DOES SHOULD NOT CONTINUOUSLY ON A MONTHLY BASIS UPDATE A PAST DUE AMOUNT OR BALANCE, BUT YOU STATE THE ACCOUNT IS ACCURATE AND YOU VERIFY THAT THAT WAS ACCURATE. I FIND IT FUNNY, BECAUSE HOW IS THAT POSSIBLE ON AN ACCOUNT THAT IS DORMANT/DEAD? 

YOU ARE ALSO A EQUIFAX, ALLOWING ALL OF THESE XXXX, XXXX XXXX XXXX ACCOUNT TO NOT ONLY CONTINUOUSLY REPORT CHARGED OFF, WHICH IVE NOTICED MY LAST DISPUTE YOU WENT BACK AND CHANGED TO ( XXXX  ) from ( XXXX  ), WHICH IS ALSO UNLAWFUL, ILLEGAL AND INACCURATE .HOW CAN YOU ALLOW THE PAST DUE AMOUNT ON A MONTHLY BASIS TO INCREASE? NOT ONLY IS THAT A VIOLATION AND NOT ONLY IS IT UNLAWFUL and NOT ONLY DOES IT GO AGAINST MOST IMPORTANTLY MY RIGHTS AS A CONSUMER ITS A LIE! AND ITS INACCURATE, BECAUSE THE ORIGINAL CHARGED-OFF AMOUNT IS CONTINUOUSLY BEING CHANGED ON A MONTHLY BASIS! 

According to section 623 15 USC 1681s 2 ( 5 ) duty to provide notice of delinquency of accounts ( A ) in general : furnishers shell notify the agency of the date of delinquency on the account, which shall be the month in the year of the commencement of the delinquency on the account, THIS MEANS REPORT MONTH AND YEAR, ONE TIME THAT IT CHARGED OFF ON MY CONSUMER REPORT, NOT EVERY SINGLE MONTH, WHICH IS ILLEGAL BECAUSE YOU ARE RE-AGING THE DEBT EVERY MONTH FOR THE PAST FIVE YEARS, WHICH COUNTS AGAINST MY CREDIT REPORT, AND IT IS VIEWED AS IF THE CHARGE OFF JUST OCCURRED EACH MONTH, THIS IS NOT RIGHT THIS IS WRONG ON SO MANY LEVELS, AND I FEEL EXTREMELY VIOLATED! 


This is my last attempt to have you in Equifax do the right thing do the LEGAL/required corrections on my consumer report as fast as possible! Because I will be taking legal action if this is not 100 % corrected and stopped on my consumer report I already have an attorney that is ready able and willing. I have kept every dispute, every certified mail slip every response every credit report for my case! 


I have uploaded what I have sent you guys certified mail on the CFPB website along with proof/documentation/pictures of exactly what I am talking about so there is zero confusion with my corrections on my report please expedite this process!

Company response to consumer: Closed with explanation