Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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:
I intend to lodge a formal dispute regarding the accuracy of my credit report and the validity of the debt listed therein. This dispute is to be filed with all three major credit bureaus, as well as with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and AZ, XXXX of the various aliases they XXXX be operating under currently. 

I am currently facing a series of persistent and unresolved issues with the XXXX XXXX XXXX XXXX XXXX ( XXXX ), where there seems to be a pattern of inaccurate reporting that has negatively affected my credit reports. Despite numerous attempts to engage with the responsible credit bureausnamely, Equifax, XXXX, and TransUnionI have unfortunately hit a wall of inaction, leading me to believe there might be some improper incentives at play or a significant lack of proper oversight within these institutions. This concern is magnified by the fact that the " first date of delinquency '' on my record has been modified on multiple occasions, presenting a direct conflict with the factual opening date of the account, which dates back to the period of XXXX. 

Shockingly, this date has been inaccurately updated to XX/XX/XXXX, which is not only incorrect but also breaches the seven-year limit for reporting, as stipulated by credit law. Such inconsistencies cast a considerable doubt over the legitimacy of the claims made by the XXXX, especially since there was never an agreement validated by my personal, wet signaturea requirement for such processes. I have compiled a .PDF document that contains clear evidence of these discrepancies and am fully prepared to present this proof to the appropriate parties. 

The XXXX of XXXX XXXX XXXX ( XXXX ) has inaccurately represented my payment history, failing to acknowledge the interception of over {$11000.00} from my tax returns as payment towards outstanding obligations ( refer to the attached documentation for evidence ). Additionally, there appears to be a lack of consistency in the entity 's representation, with frequent changes to their naming convention. It is important to note that the origination of this case in XXXX XXXX, New York XXXX, precludes the jurisdiction of Arizona authorities over these matters. Such actions by the XXXX raise serious concerns regarding the legality and integrity of their operations. 

Moreover, my personal observations and experiences with the child support system have led me to question its operational ethics and priorities, which seem to skew more towards dubious financial practices rather than the actual welfare and best interests of the children it's purported to serve. This concern is not merely abstract but is illustrated vividly in my own life, where my daughter XXXX, who has been separated from me due to family court rulings, is theoretically entitled to benefits from these funds. Regrettably, these funds are susceptible to mismanagement and potential misuse, a situation that has caused not only personal distress but also financial instability. 

While some might view these details as merely peripheral to the primary issue at hand, I bring them forward because they highlight a pattern of concerning behavior that points to larger, systemic problems of accountability, honesty, and legality within the XXXX and among the credit reporting agencies. It raises fundamental questions about the integrity of the systems we trust to fairly represent our financial histories and the agencies we rely on to enforce just and lawful practices. These issues deserve thorough investigation and prompt resolution to prevent further harm to not only my financial standing but also to the financial integrity and future wellbeing of my daughter. 

Appendices : XXXX XXXX XXXX ( XXXX MB ) : Shows undeniable proof that the account was opened in XXXX and first delinquency reports are from XXXX. This would make the account and all fraudulent accusations XXXX years old. Also shows multiple tax interceptions ( including aforementioned XXXX amount. 

Home _ myEquifax.pdf ( XXXX KB ) : Shows the falsified XXXX date ( As this is XXXX years old ) XXXX : This is the dear colleague letter. 

XXXX XXXX XXXX XXXX ( XXXX KB ) : This is my ongoing affidavit against the fraudulent child support agency. 

XXXX ( XXXX MB ) : A stand alone copy of the XXXX tax interception.

Company response to consumer: Closed with explanation