Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like to inquire about the CFPB conducting a much needed investigation into the unlawful attempts at an investigation conducted by Equifax regarding my continued attempts at correcting false information off of my credit report. I have been in the single dispute process for over 60 days now and I literally am going INSANE trying to deal with them and the immense amount of laziness in conducting proper and proof filled investigation on behalf of consumers like myself! 

I am extremely disappointed to see that there has been absolutely no LEGITIMATE investigation done regarding my XXXX credit card, as they are still reporting XXXX major delinquencies and verifying them as accurate when in fact there are absolutely NO late payments on my XXXX credit card. They claimed to have called and verified it as accurate and reporting correctly and yet this is absolutely not true and XXXX has told me over 10 times that I HAVE NO LATE PAYMENTS OF ANY SORTS! Yet they are showing me as 60, and 30 day late for XX/XX/XXXX and XX/XX/XXXX. They refuse to properly verify anything and change their incorrect reporting. WHO one Earth told them that they were reporting correctly. That is a BOLD FACE LIEI am certain that they do not want to appear wrong and that they simply SAY NO NO NO to people and refuse them investigation thinking we are dumb and do n't matter an d that they are superior to us consumers. I 'm disgusted by this. 

They have also refused to answer anything about that withdrawn tax lien that i have waited over 60 days to hear about. They must remove that from my file immediately. That is not legally supposed to be reflected on my credit report. It was placed prematurely and they are from XX/XX/XXXX-XX/XX/XXXX! Court records have retracted this lien # XXXX from my name and the public record is no longer valid nor legally attainable. I asked for an investigation into this matter over 60 days ago! What is going on? this sum was paid and cleared with the government agency and was prematurely and incorrectly placed into a lien position and has since been withdrawn. it must be removed immediately! I want the documentation and signatures immediately as well, i can not and will not wait another minute for a proper investigative duty, this is YOUR job and I am suffering and can not get approve for a mortgage! Look at the inquiries on my credit report, i have over 6 of them now from mortgage companies DENYING ME left and right and I am just finding out about all of your inaccurate reporting! 

XXXX, XXXX ( a invalid collection ) is to be removed from my credit report immediately or I m going to pursue a suit against Equifax for false and illegal reporting. XXXX, XXXX has violated CFPB law and has illegally placed their file with incorrect terms and payment history onto my credit report and you have verified nothing and have failed to validate this debt and its accuracy which is non existent. This debt was never transferred to a collection agency and this company is illegally attempting to collected an already paid debt which was settled in full with the original credit XXXX XXXX. You claim that this is accurate and you have validated and provide its accuracy and that it is to report on my file for another 6 months, m that is absolutely insane and not legal what so ever. First and foremost the statue of limitation to report any account like this has expired and most importantly this Company has violated CFPB was against me as a consumer an they are running a scam of a company using lies and abusive tactics to garner their made up sums against innocent and non expecting consumers. 
PLEASE REMOVE these inaccuracies from my credit report and provide me with all of the important signatures, paperwork, proof, verification and validation as well. I can not allow you to damage my reparation any longer!

Company response to consumer: Closed with explanation