Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX and XXXX, both from XXXX XXXX XXXX XXXX XXXX, and no Unknown Collector, this account was resold 3x to 3 different collection companies and all updated with different open dates and neither contains the closed date as this is a collection account. ( collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) According to Equifax although information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to XXXX XXXX XXXX that had a open date of XX/XX/XXXX then deleted from my account and as of XX/XX/XXXX it was placed back on my account under XXXX XXXX XXXX with an open date of XX/XX/XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. After the information was disputed as fraudulent on XX/XX/XXXX it was removed again on XX/XX/XXXX. Still without written notice to me the consumer this transaction is negatively affecting. referencing my report from XX/XX/XXXX the collection was placed back on my account with another fraudulent open date XX/XX/XXXX. Not once was I notified nor were there any reasonable procedures maintained to prevent reappearance to this deleted material pursuant 15 USC 1681 I ( C ). This information is not only inaccurate, but it is fraudulent as well. Also, I never gave Equifax nor XXXX XXXX XXXX written instruction to furnish anything in my name, pursuant to 15 USC 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, pursuant to 15 USC 1681 s-2 ( a ) ( b ) ( 2 ). XXXX is willfully non-compliant and hereby liable pursuant to 15 USC 1681 N & 15 USC 1691 XXXX These accounts, XXXX and XXXX have been deleted and reinserted without written notice given to me a total of 6 times. In addition, since first deletion Equifax has reinserted the account with no account holder name. These multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ] In addition to a complaint filed directly with XXXX XXXX XXXX on XX/XX/XXXX, complaint ID # XXXX, the collection company responded with the following : " XX/XX/XXXX, XXXX has placed these accounts in a fraudulent status and sent notification to credit reporting agencies to remove these accounts from your credit report. Please allow up to 30 days for credit reporting agencies to update their records. '' It's been 30 days and the collection account is still showing on my credit report.

Company response to consumer: Closed with explanation