Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attached you will find 252, the front page of my credit report from Equifax dated XX/XX/XXXX. 253 will show you my report number and personal information. They STILL have not removed the address-more details in next section. 254 shows LATE PAYMENTS for XXXX XX/XX/XXXX. I have never been late. 257 shows XXXX being reported as late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. For both accounts, I established a HARDSHIP program in which I agreed to pay a lower amount while I would be undergoing treatment/surgery. I was verbally told this would " NOT BE REFLECTED AS LATE PAYS IF YOU KEEP THE HARDSHIP PAYMENT ''. I have never missed a hardship payment. I have been fed lines of nonsense and they refuse to fix it. So now, the bureau ( s ) who choose to report these accounts as negative accounts while I was fighting for my life-literally-can do as I asked of them under the FCRA rules. VERIFY/VALIDATE EVERY LATE PAYMENT. Send me the name, phone number, operator number, address of whom you verified and validated every said late payment. If you can not do this for EVERY late payment, you must remove it or place an " X '' or " NA '' in it's place and list the account as a positive account with zero late pays. It is not fair that a person takes responsibility and gets onto a hardship program, makes their promised payments, still gets reported late. I WAS NEVER LATE! Prove me otherwise. 258 needs immediate removal. XXXX  and Equifax have not been able to VERIFY OR VALIDATE XXXX XXXX. In addition, I have never applied for a line of credit with XXXX XXXX by phone or video and they can not prove otherwise. Furthermore, there is NO PHYSICAL CONTRACT and no proof of MY PHYSICAL SIGNATURE with them or the company they claim to have bought the debt from. 259 same situation. XXXX has NO PHYSICAL CONTRACT, NO PROOF OF MY PHYSICAL SIGNATURE, NO VIDEO OR PHONE recording of me asking them for a line of CREDIT. FCRA states if you're not going to verify/validate as 100 % accurate it can not remain on the report. 

If this is not done, I will be taking you to my local court venue to sue you for removal of false information and requesting {$1000.00} per offense plus court fees. 

In light of the recent changes to the FCRA ( FACTA ),  consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion XXXXo. XXXX XXXX by the US Court of Appeals XXXX Circuit, Nelson Vs. Chase Manhattan,  the court rules that the creditor has the responsibility to investigate and make sure that the correct information is being reported to the bureaus, and that the consumer has the right to sue under the FCRA, should his or her rights be violated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution to this matter.

Company response to consumer: Closed with explanation