Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello I am filing the another complaint because this is the 3 time I have tried to get Equifax to look at these accounts and tell me how they were verified? Where is my proof? I have did all I can by asking to see verifiable proof and including sending a letters to the creditors and I have not received anything other than because they said so. Until today XX/XX/XXXX @ XXXX Today I called and spoke with 3 different departments and 3 differnent representatives and XXXX , XXXX and XXXX ID # XXXX. I was prepared since i have already had these issues and they have been on going. 
XXXX was no help and passed me to XXXX he says she was another level of dispute services. He was able to pull my files and see my disputes. I have multiple disputes going at this time. Because I was apart of the breach i had accounts I have no knowledge of. However for this particular call I wanted to make sure that the issues were gon na be addressed. This was my last good will attempt. I had reached out to the creditor who are reporting incorrectly and I have yet to receive a response from them. I have reached out to the creditor who claim I have inquried about credit and i still have the items listed on my report. 
XXXX was able to look up my disputes and she went over each account with me. She agreed with me on the XXXX XXXX account being inaccurrate. She state how did you make a payment in XX/XX/XXXX. I said I didnt. It inaccurrate and needs to be deleted Immidiately. Its showing a CHARGED OFF WITH A BALANCE and a PAST DUE and the charge off amount is different than the past due and balance. How was this verified 3 times? What was the proof? How is it that no high credit limit is reporting and no closed date on your report. XXXX has different information as well ( see attachments ) and so does Experian. NOT ONLY THAT HOW WAS NO PAYMENT MADE FOR YEARS XXXX THEN A PAYMENT SHOWS UP XX/XX/XXXX? THE 1ST DATE OF DELINQUENCY IS DIFFERENT ON ALL 3 REPORTS.. XXXX WAS PUZZLED AS WELL AND SHE SAYS SHE COULD NOT DO ANYTHING BECAUSE OF FRAUD ALERT SO SHE SENT TO XXXX. i TOLD XXXX THE OTHER ISSUES WITH THE OTHER ACCOUNTS SEE AS FOLLOWS : XXXX XXXX LOANS ACCT # XXXX -- -- -- -IS REPORTING THAT IT IS VERIFIED AND ACCURATE. HOW IS THAT WHEN ITS REPORTING CHARGED OFF IN XXXX WHICH MEANS THEY ACKNOWLEDGE TO THE IRS THEY COULD NOT COLLECT AND RECIEVED A TAX CREDIT. SO HOW IS IT THAT THE CHARGE OFF AMOUNT IS XXXX -THEY ARE REPORTING A BALANCE WITH A PAST DUE AND THE NERVE TO HAVE A SCHEDULE PAYMENT REPORTING OF XXXX??? HOW IS THIS OK I BEEN DISPUTING THIS FOR MONTHS. 
XXXX ACCOUNT # XXXX AS NOT VERIFIED THIS ACCOUNT. 1. THIS IS A COLLECTION ACCOUNT THAT SHOWS A PAYMENT HISTORY. IT IS MY UNDERSTANDING THAT COLLECTION ACCOUNTS DO NOT HAVE THE AUTHORITY TO REPORT PAYMENT HISTORY. THIS IS A DIRECT VIOLATION OF MY CONSUMER RIGHTS. IT IS UNFAIR TO BE JUDGE BY MY CREDIT WORTHYNESS BECAUSE OF THIS UNVERIFIED ACCOUNT BEING REPORTED. 
THE BANK OF MISSOURI ACCT # XXXX this account is also reporting inaccuarrately and unverified and violetes my consumer rights It is reporting as charged off with NO close date! No Past Due! NO high credit! Transfer/SOld with no forward information to who? and then a XXXX payment is scheduled? are you serious?? this is wrong WORLD FINANCE ACCT # XXXX THIS ACCOUNT IS CLEARLY INACCURATE ALL ACROSS THE BOARD., ITS CHARGED OFF, WITH A BALANCE AND A PAST DUE IF ITS CHARGED OFF SHOULDNT IT BE XXXX? THEN THERE IS NO CREDIT LIMIT OR HIGH CREDIT AMOUNT THE PAST DUE IS MORE THAN WHAT WAS CHARGED OFF? SO XXXX SUPPOSE TO PAY 2 TIMES WHEN THEY RECEIVED A CREDIT AS WELL FOR THE IRS? 

XXXX AGAIN TOLD ME SHE COULD NOT FIX THE ERRORS DUE TO IT BEING UNDER FRAUD ALERT BECAUSE I WAS APART OF YOUR BREACH. THERE WERE THINGS I DID NOT RECOGNIZE, SO SHE TRANSFERED ME TO XXXX -- iID NUMBER XXXX SHE WAS RUDE AND BASICALLY TOLD ME SHE COULD NOT FIND ANYWHERE THAT I EVEN DISPUTED ONCE THIS YEAR?????? XXXX MY SURPRISE WHEN SHE ASKED ME TO XXXX XXXX ANOTHER SET OF INVESTIGATIONS? I SAID NO THERE ARE SOME ALREADY IN PLACE AND TOLD HER THE SAME THING I SAID TO XXXX. AND SHE SAID DOESNT MATTER SHE DOES NOT SEE ANY OTHER DISPUTES. I SAID OK NOT GON NA DO THIS FILE WHATEVER YOU WANT I AM FILING A LAWSUIT BECAUSE CLEARLY MY RIGHTS AS A CONSUMER ARE BEING VIOLATED AND I HAVE PROVIDED PROOF ALONG WITH CONTACTING CREDITORS, SHE SAYS IF THESE WERE VERIFIED AND TO CONTACT CREDITOR, THE LAW STATES THAT I DO NOT HAVE TO ACCORDING TO THE FOLLOWING : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX, the United States XXXX XXXX XXXX for the XXXX XXXX reversed and remanded the district court 's judgment that, as a matter of law, XXXX XXXX XXXX ( XXXX '' ) met its obligations under the Fair Credit Reporting Act ( " FCRA '' ) when it relied solely on the creditors ' original information in determining the accuracy of a consumer 's credit information. The court held that the FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. 


So i am here again now asking for more help with these accounts. I have also filed with XXXX.

Company response to consumer: Closed with explanation