Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent your company my letters via mail with using my credit repair software. I wrote the letters so stop rejecting my letters. Please investigate my letters in the attachment. You have been instructed by federal law of the Fair Credit Reporting Act to investigate the letters to the fullest extent possible. I want to inform you 15 USC 1681 states, " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' XXXX both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of e-Oscar are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when yawl is going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation. 
XXXX ( XXXX ) - ( XXXX ) XXXX When I scrutinized Date of Last Activity ( XXXX ) presenting XX/XX/XXXX This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
XXXX XXXX ( Original Creditor : XXXX THE XXXX XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX I want to bring to your attention Balance Owed ( XXXX ) reporting {$6200.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! Lets examine Account Description showing Joint. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. 
DESGN REC ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX pon inspecting Creditor Type ( - ) exhibiting Collection. These discrepancies are alarming and I'm confident you'll resolve them quickly. 
Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX When I scrutinized Date of Last Activity ( XXXX ) presenting XX/XX/XXXX. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! 
( Original Creditor : ) ( XXXX ) - ( XXXX ) XXXX resolved immediately! 
When I scrutinized Creditor Remarks ( XXXX ) presenting Medical Subject has not satisfied debt.. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant

Company response to consumer: Closed with non-monetary relief