Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: NV
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:
XXXX has responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with non-monetary relief The Company 's  Response is ; Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicated that you have an account reporting inaccurate information listed on your credit report that you never opened. You would like the account removed from your credit report. According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 
DESCRIPTION OF NON-MONETARY RELIEF According to our records, the disputed information does not appear on your current XXXX  credit report. We are in the process of forwarding you a copy of your credit report for review. 

I received the Payoff Demand statement for the full amount and tendered that payment on time. So how is XXXX and Equifax constantly claiming that this is accurate information when it is not. The debt was Tendered by law all bills banks acceptances mortgages and others are covered by law " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83.

The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I have not heard from XXXX and therefore by law and in time this debt is discharged! Stating that XXXX doesn't accept this form of US Currency is false and fraud. As well claiming that the Deed of Trust prevents the Tender of Payment to transfer property is also false and fraud. This is a note connected to a promise to pay and that promise to pay or promissory note is covered under the Tender Of Payment.

Company response to consumer: Closed with explanation