Consumer complaint received 2020-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Final attempt to resolve this matter : I send a certified letter on XXXX XXXX and made a complaint with cfpb.gov on XX/XX/XXXX with proof attached showing the accounts listed below are reporting inaccurate on my credit report and yet this matter still has not been resolved. So now I`m submitting a complaint again with cfpb.gov and ftc.gov/complaint because I`m keeping record of every complaint, so I can file a claim against you. I am asking for reinvestigation, according to Bureaus section 1681. In addition, you have violated section 623 because you refuse to correct the information after I provided proof of inaccuracy, which is defamation, willful injury. 

The reason for this complaint because you consistently violating the law by reporting inaccurate information without valid proof. Please see below I have listed each account in detail, explained the reason for inaccuracies, and enclosed valid proof showing my finding are valid. 

After reviewing my finding, please deleted theses accounts immediately. 

1.For Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX is invalid, please delete this information immediately. 

XXXX account # XXXX Equifax reporting account type/detail as unknown and XXXX  and XXXX reporting account type detail as credit card, this inaccurate information, delete this account. 

Equifax reporting high credit as XXXX, XXXX  reporting high credit as zero, and XXXX reporting high credit as XXXX, per violation credit agencies can not report different balances, delete pre violation. 

Equifax reporting credit limit as zero, XXXX reporting credit limit as XXXX and XXXX  reporting credit limit as XXXX, This is inaccurate because there can not be a XXXX-credit limit with one agency and credit limit with another, this inaccurate information, delete this account. 

Equifax date of last active XX/XX/XXXX, XXXX  date of last active XX/XX/XXXX, and XXXX  date of last active XX/XX/XXXX, theses dates are about 1 year apart which makes this account inaccurate, delete this account. 

Dates of last payments between all 3 credit agencies are about 1 year apart, per violation delete this account. delete this account per violation and failed to investigate In addition, date of last payment states XX/XX/XXXX, which is 7 years and 6 months to date, which this account has past the 7-year reporting and two-year payment was stating CO/ information is unavailable. delete this account per violation. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation