Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: SC
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:
*********CFPB********** This is for the cfpb to see and know that i am not just imagining things and that i am flat out disregaurded, and each of the bureaus are doing and have been, All of their investigations ( if you call them that ) have been more than 30 days so I am begging you in the name of justice please Detete this XXXXXXXX XXXX account from my report.. 


He is a cut and paste of my dispute from XX/XX/XXXX XXXXthey do not at all follow the cfpb protocall of how a responce to a complaint is suposed to be structured XXXX just took what the creditor said with little to zero regaurd to my claims '' since when in our justice system is a companies word just become a stated fact and thats that " NEVER but as you can plainly see for yourself this is how they interact with consumers as if, if the company says so then it is so .that is not only an illogical approach on handeling complaints/disputes it is against the body of laws that are suposed to govern the credit reporting agengies .But as i stated in a diffrent complaint and you can now read for yourself the agencies pick and choose wich laws to disregaurd and wich ones to enforce and more times than not they enforce the ones where they can simply close a case or keep big bussiness happy # XXXX the little guy .Did they ever to stop and think that big business may have become just that by doing just that " XXXX the little guy '' 3.the approach to explanation on how the truck is beoing listed as paid in full for less than owed the whole statement is a doublke negitive that it is factually impossible to perform.Was not there no explanation given no education of the consumer no nothing just a statement sayin that XXXX said it is so, so do they 4.the exclusion and complete disregaurd of the request of evidence yet again, the bureaus have violated so many laws and rights its shameful on the profession how are they constantly aloud to abuse the power they hold and remain to have a flowing day to day negitive effect on my family finances 5/as i saud in a complaint earlier today in now 14 days if XXXX dont quit with this myself and my family will be living in my truck and i swear as god is my wittness I have printed of my coresponcence to each bureau and on here with the responces and even the 2 letters that i had 2 creditors send me in black and white where they said that XXXX has not reached out to them like they say they have in their dispute responces in fact i was the first contact over said account since XXXX nothing from all 3 bureaus but they all said in their responces that they had contacted the creditor and that the creditor said the file was factual but i have it in writing from the creditors that its not true XXXX if my family has to sleep in my truck everyone can bet their last dollar im taking everything to the new station im sure their lawyer will be able to point me in a solid direction. 

So please******** CFPB******** please reread my complaint verse their responce and see if your self just how ive been being done and see that i have not been lying or exagerating I disputed the company XXXX XXXX  listing my paid in full account as a charge off and as settled for less than full on the grounds of An employee of XXXX XXXX telling me that is i was to do as they ask and obtain alternate fin ancing or trade the vechile in that they would not list as a charge off they would list as " paind in Full '' it would not list in a negitive manor and their respoce was vauge and limited at best!! they completly danced around a few of my concerns so i will list in order in hopes of getting a clear answer and In addition I will use this platform to formally request evidence used against me to be provided to me. 1 if total loan amount was for XXXX 2 years into loan they cvharged off XXXX ( questionable agt best ) but they charged off the loan at XXXX k and undoubtly recieved a tax credit for the XXXX Have they ammended the bad debt total to the XXXX that was owed upon trade in due to myself paying for almost 1.5 years otherwise seems to me as the taxes reported on this loan on their part would be incorrect because you are not alloweed to claim a loss but recieve payment on that loss but your tax credit remain the same I would like to see proof of amended tax credit or do i need to write the tax office ( question not a threat just unsure of wich office to express my concern or this happening to others as well ) 2.They claim it was paid in full for less than what was owed and simple math says that that is incorrect. charge off was XXXX was owed XXXX at time of trade in they accepted XXXX and issued a 1099 for the remaining of what what owed to them so how is that less than what was owed thar math says that the item was satisfied in full they also stated that they reviewed phone records looking for evidence to substanciate my climes to be fact or faulse so that being said I would hope that they reviewed the very first all the way to the very last call between my self and their customer rep, as the conversations were many, and the way it was to be listed was on more than 1 occasion, I can also provide a written or oral statement from the car sales man to substanciate my claim as he wanted to hear it for himself after i told him of my agreement because he stated in his 30 years plus as a car salesman this was a first and thought it was the most commendable action ever by a lender to a vetran or civilain but to have a vet in hard times having his forutne changed with the help of a lender was something that would deffinatly have him refering said lender in the future being a vet himself But all of that being said i would like to use this oppertunity to formely request that any and all phone recordings that were used against me as evidence be submitted to myself as well for review as i am permitted to request according to the fair credit reporting act withing the 30 days alotted and if XXXX can not or will not then i ask that their file be removed from my credit report.They may be submitted here for all to review or to me at XXXX XXXX XXXX XXXXXXXX SC XXXX or email @ XXXX so just to be clear i am formaly requesting any and all phone calls that were recording between myself and the cusgtomer rep that handeled my file that aiding in XXXX stating that my claims have no merrit and if not provided within 30 days that XXXX XXXX file be removed from my credit report Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THE DISPUTED INFORMATION HAS BEEN VERIFIED AND/OR UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX

Company response to consumer: Closed with explanation