Consumer complaint received 2021-11-06
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: Old information reappears or never goes away

Complaint:
I had a past child support case when my son was a small child dating back in XXXX. The case was closed by Judicial order and all support was paid up with no retroactive support. I gained legal custody of my son when he was XXXX years old. For the past 13 years, Equifax has been reporting this outdated account to my credit file, which by-far exceeds the 7 year statue of limitation for any closed account having no further financial liability attached ( including bankruptcy which has a 10 year credit reporting limit ). The broken systems that Equifax utilizes is not built for decifering technical constructs that help with reporting and non-reporting of certain types of accounts. Equifax uses simple digital software that categorizes credit entries using minimal code that are not 100 % parallel to the actual reporting events ; yet Equifax responded with automated letters stating that their reporting is 100 % accurate as if they were there when the actual event took place. In the document that I attached to this complaint, you can see that they input into the credit entry, minimal information, yet they make sure that they report the account as open to purposefully sabatage my overall credit utilization and debt to income ratio. This false reporting makes lenders view my file as having more open debt that I actually have. 

Equifax has had no regard for FCRA laws when conducting activity on my credit file. The trade-line that Equifax continually removes and reinserts to my credit file for 13 years is always reported with multiple lines of inaccurate, incomplete and unverifiable data points in which I have contested multiple times ; with the following being the reasons the file was removed after my previous disputes. 

-The account has been at a XXXX balance since XXXX, which is 9 years ( 7 year XXXX on a collections account, but this account has never been behind on payments at all ) -The account was never been in arrears ( only past due support payments of {$2500.00} or move can be credit reported through Arizona State child support law ) -Equifax is now , as they have in the past incorrectly reported this account as an " open account '' when it has been closed with {$0.00} balance, with no late payments or arrears owed for the past 13 years. ( This innacuracy falsely represents me of having a unwarranted higher debt-to-income ratio -Equifax, nor the creditor gave a 5-day notice of reinsertion ; The CRA placed this account back onto my credit report in XXXX of XXXX without any notification ; never giving me any opportunity to collect my records and contest their inaccurate claims. 

-Equifax XXXXesponds to my dispute stating " the furnisher sent certification that the account is complete and accurate '', yet Equifax has not mailed, nor emailed to me any certification of evidence from this furnisher in order to legitimize that claim. 

Equifax and the credit reporting system as a whole is the most biased, corrupt, and broken system that exists in society. They advertise all over their website mail response letters to dispute any incorrect information, but when you dispute factual based evidence with proof, they still do not fully correct, nor remove the item. In this case, they remove the item due to blatant, overwhelming inaccuracies, then place it right back a few months later and without any notice. 

I have paid my dues and dealt with my child support case and have mad all payments on-time. I and my son have moved on in lives. My son is XXXX and is a grown man and about to be headed off to the XXXX XXXX. This is a complete violation of my personal consumer right. There is no legal nor legitimate means for Equifax to continually fester me and my sons life and hinder my financial growth opportunities and keep a closed and paid child support case with {$0.00} balance that has never been late, or in arrears on and off of my credit for the rest of me and my son 's life.

Company response to consumer: Closed with explanation