Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX, remediation and research associate within the XXXX XXXX has failed to conduct an investigation to complaint. IN fact his response states he " reviewed the documentation submitted and the decision of XXXX remains unchanged. '' Now, what wa sincluded in the documentation submitted was a copy of the MPN ( p. XXXX and p. XXXX ) clearly stating that I am not required to make payments durig periods of forbearances and deferments. The XXXX XXXX response that XXXX XXXX references clearly acknowledges the periods of deferment and forbearance spanning from XX/XX/XXXX thru XX/XX/XXXX. 

Here is what XXXX has now done in-total : Breach of contractural agreement and violation of my right of notice 1 ) Not required to make payments during deferments AND/OR forbearances ( see p. XXXX ) 2 ) Statements were to be sent during periods of forbearance and deferment ( a ) XXXX XXXX. they did not provide billing statements for XX/XX/XXXX nor XX/XX/XXXX because the account ( s ) were specifically deferred ( see p. XXXX ) ( b ) Per XXXX XXXX was to provide statements when payments were deferred ( see p. XXXX ) ( c ) Screenshot of XXXX XXXX corroborates statement given referenced in 2 ( a ) clearly indicating statements were NOT generated for XX/XX/XXXX, XX/XX/XXXX ( see p. XXXX ) ( d ) Screenshot also indicates next statement generated was on XXXX XX/XX/XXXX with due-date inside of XXXX  days ack. as minimum in XXXX XX/XX/XXXX letter AUTHORED BY XXXX XXXX on XXXX XXXX Therefore, the history as reported by XXXX on XXXX and XXXX for periods ranging from XX/XX/XXXX thru present are invalid/unverifiable ; XXXX XXXX is fully aware of these issues as he has allegedly reviewed the documenation I've provided to-date. That is, XXXX XXXX is knowingly and willfully providing false statements to the CFPB to protect XXXX from any consequences of enforcement action that may arise out of the issues I have and continue to present to the CFPB. 

It is not without noting that a XXXX responded to my complaint to that office regarding the matter plainly stating The XXXX is not allowed to get involved in the investigations of other government agencies. It is quite possible therefore that XXXX XXXX is intenionally being vague in his responses to the CFPB knowing full-well that XXXX is under investigation. It would be far easier for XXXX to do the correct thing, rather than the interim thing of XXXX. 

At the end of the day, XXXX will continue to supply this erroneous info to the XXXX, and provide false statements to the CFPB even when the documentation clearly refutes the assertions of XXXX. 

So, I will ask XXXX XXXX in this forum : since XXXX of the loan groups has been charged off and allegedly sent to an outside collection agency ( according to the XXXX XXXX  please provide me with the contact information, to include address, phone number, fax number, registered agent, and a copy of the credential that shows the colection agency handlig the CO accont is licensed to business in my state.

Company response to consumer: Closed with explanation