Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: OH
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:
Equifax has violated federal laws along with their subscriber member XXXX for Child Support in the amount of XXXX The amount of XXXX is a charge off due to the reports and charges that i have filed with my case workers of child support frauds against me. The laws that Equifax and XXXX  violated against me are as follows. 

15 U.S.C. 1681s-1. Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which : ( 1 ) is provided : ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less. To report back to a prior date Equifax refuses to delete the information along with XXXX  i am trying to avoid legal action against them according to the following Statutes of federal laws by which your obligated to enforce which are below.

1. Federal Debt Collections Practices Act 2. Fair and Accurate Transactions Act 3. Fair Credit Billing Act 4. Fair Credit Reporting Act 5. Fair Credit Billing Act 6. EFTA Electronic Funds Transfer Act Federal Laws Regarding collectors Deceptions 1. Fair Credit Billing Act ( FCBA ) 2. Electronic Funds Transfer Act ( EFTA ) Accounts that was closed cant be reopened and billed separately in two parts with different billing or account numbers this constitutes fraud against the consumer according to the guidelines of the department of commerce, federal trade commission, department of justice public affairs, office inspector of the general, Ohio attorney general, Federal deposit insurance corporation 1005.15 3. 15 U.S.C subsection 1692b ( 3 ) prohibits a debt collector contacting a third party for location information from communication with the third party more than once, unless the third party request it or the collector reasonably believes the third party earlier response was erroneous or incomplete and that the third party now has correct or complete location information.

4. 15. U.S.C. 1692c ( a ) ( 3 ) and 15 U.S.C 1692 g ( b ) 5. 15 U.S.C. sub section 1692e ( 11 ) this does not apply it its in connection with filing at courts for a legal actions. 15 U.S.C. subsection 1692 ( d ) ( 6 ) this provides generally abusive practice to place telephone calls without meaningful disclosure of the callers identity. 

I demand to see verifiable Proof of { Original Signed contracts } with my Signature upon it from the state of Ohio for Child-support or enforcement. The account number XXXX account reference number.

Company response to consumer: Closed with explanation