Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: GA
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:
Statute of Limitations has ran out, it's been more then 7 years, i mailed 3 letters to them concerning this old dated information XXXX XXXX XXXX XXXX XXXX . 
XXXX, GA. XXXX XXXX XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX www.Equifax.com This letter was sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX To Whom It May Concern, I do not believe I owe what XXXX XXXX  say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in Georgia has expired. Therefore, should XXXX  decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. 
In Georgia, the statute of limitations for filing a lawsuit to collect credit card debt is 6 years. This means that if your account is inactive for six years, I have a winning defense to any credit card collection lawsuit.The clock on this statute of limitations begins to run when you last use the card or when you last make a payment.

1 The Federal law gives me the right to an accurate credit report. Credit bureaus arent allowed to report anything thats inaccurate, incomplete, or unverifiable. Thanks to that provision in the Fair Credit Reporting Act, I have the right to dispute errors to have them removed from my credit report.1 The information to be deleted is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX This Report Closed Date : XX/XX/XXXX, CLOSED ACCOUNT STATUS Account Number XXXX XXXXXXXX Account Status : PAYS_AS_AGREED Credit Limit : {$500.00} Owner : INDIVIDUAL Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ACCOUNT CLOSED BY CREDIT GRANTOR Its been seven years since the date of the first missed payment that led to the negative status. This must be removed immediately. 

Agencies are required to correct or delete inaccurate information within 30 days of your dispute or up to 45 days if you send additional information after submitting your written dispute. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Other information to be Correct : XXXX XXXX ( this is my birth name and the name i want on my credit report ) Also, pursuant to Section 168 of the same Act, I am entitled to be notified when these items have been deleted. Please send an updated copy of my credit report to the address above, as well as to any other party that has inquired about my credit rating in the last six months. I currently have no Hard Inquiries on file. XXXX XXXX, XXXX and others were soft pulls. The Federal Trade Commission ( FTC ) website advises that bureaus must investigate and fix mistakes once you notify them through the dispute process described in the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX Enclosed are ( 3 ) copies of screenshots supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Copy of this and all letters and supporting document will be sent 30 days from the date of this letter to : ( will mail on XX/XX/XXXX ) Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation