Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 

ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX-XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please be advised that I have enclosed with this dispute/complaint copies of the original court order for Child support which lists the names and ages of both my children on this order, signed by XXXX, XXXX XXXX XXXX 

As you can see and read on the attached copies of the court order Child support, you will notice the ages of both, my daughter born on XXXX XXXX XX/XX/XXXX ; and my son XXXX XXXX XXXX XXXX Born XX/XX/XXXX. 

Please also take note of my sons ' birthdate : ( XX/XX/XXXX ) MAKING his CURRENT AGE XXXX XXXX XXXX, going on XXXX XXXXears of age, in approx. two months from now. ( XX/XX/XXXX ) IMPORTANT : The legal age limit to collect child support in XXXX is 21 years of age! ( See below quote from : ( XXXX XXXX XXXX  : XXXX # XXXX In XXXX XXXX XXXX a child is entitled to be supported by his or her parents until the age of 21. However, if the child is under 21 years of age, and is married, or self-supporting, or in the military, the child is considered to be " emancipated '' and the parents ' support obligation ends. 


I am requesting that you EITHER PROVE BEYOND A SHADOW OF A DOUBT ; the ACCURACY AND AMOUNT OWED of this account ( XXXX ). A response from your company to a previous dispute of this same account from you was insufficiently noted as : We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. '' I would like to know what EXACTLY WAS VERIFIED. Was the AMOUNT VERIFIED? If so where is said " Verified '' proof? How was it Verified for Accuracy? Am I still being Charged weekly for a Child who is Legally Emancipated? If so this is fraudulently being reported and allowed to be reported with knowledge of its inaccuracy which is in direct violation of 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' I did not receive any such proof in accordance with the Fair Credit Reporting act. It clearly states you can Not report any negative items on my credit report that are not 100 % accurate. How is this account proven accurate and or " verified '' if my son is now XXXX and the XXXX XXXXXXXX XXXX XXXX XXXX XXXX is STILL collecting child support for him even after his legal emancipation at the age of 21. 

If you fail to provide proof which you did fail to provide proof of verification of accuracy, from the original creditor that this account is FACT XXXX # accurate, you are bound by law to DELETE IT ASAP.

Company response to consumer: Closed with explanation