Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: TX
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:
IN REGARDS TO : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX TEXAS XXXX Investigation of an inaccurate item the account your company is reporting to the credit bureau is troubling. 
Because of this, Im requesting information about your procedures put in place to verify this charge-off account. You sent a non- detailed list of transactions on this account. Based on my research on the FTC site, I know they have strict policies in regard to you reporting consumer data. I know for a fact that furnisher reporting must be 100 % accurate. Please show me proof that your reporting of this account listed is 100 % accurate. Dont send me a generic print out or a billing statement like you have done once before. Your company claimed on the printout I received below if accurate on your accord you only received 2 payments but shows 4 payments made to the account in question and would have been charged off way before XX/XX/XXXX for non-payment and the date of last payment reported to the bureau would not have been XX/XX/XXXX. When the document shows the next due date was XX/XX/XXXX but no payments applied after XXXX.The scheduled payment amount has been altered from {$130.00} to $ XXXX.The account history status codes have even been changed to re-age the account. How is it possible for date of last payment to be XX/XX/XXXX and the first major delinquency reported is XX/XX/XXXX completely inaccurate reporting. The charge off amount of {$3200.00} is being reported as accurate as well which is frivioulous. CAN THEY FRAUDULENTLY DO THIS? inaccurately reporting fictitiously to Equifax which violates the FCRA and needs to be removed this is fraud being committed by the furnisher and the bureau. Its clear that the account is inaccurate because the CREDITOR did not have 100 % valid proof. If they cant prove that the account is 100 % accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA.Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for violation reported? Im sure your company wont be happy that it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will do the following : 1. File a complaint with the FTC.

2. File a complaint with the attorney generals office.

3. File a complaint with the XXXX XXXX XXXX.

4.I have sought out legal advice for a possible lawsuit for violating my rights. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF YOU CONTINUE TO VIOLATE THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ANY ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT OR CHANGE SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY FURTHER VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE

Company response to consumer: Closed with explanation