Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Credit Information Services , Inc., XXXX XXXX XXXX, XXXX, GA XXXX B : XXXX /XXXX F : XXXX/ XXXX REF : XXXX  XXXX  XXXX/-FILED AND PLACED ON CREDIT IN XXXX VOLUNTARILY DISMISSED BY THE COMPANY ON XXXX/ THIS ITEM WAS REMOVED AND PLACED BACK ON MY CREDIT ON THE SAME DAY XX/XX/XXXX Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money. For other debts, the statute is shorter. Oral contracts and revolving accounts such as credit cards have a statute of limitations of four years.

Florida Fla. Stat. Ann. 95.011 et seq. 5 4 4 4 This letter is a formal request to remove outdated information from my credit report. For easy reference, I have enclosed a copy of the credit report that EQUIFAX provided me on XX/XX/XXXX with the outdated items. Per Federal, statute allows a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. 
On June 5, 1933, Congress passed House Joint Resolution ( HJR 192 ). HJR 192 was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then no one in America has been able to lawfully pay a debt. This resolution declared : " To assure uniform value to the coins and currencies of the Unites States, Whereas the holding of or dealing in gold affect public interest, and are therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount in money of the United States measured thereby, obstruct the power of the Congress to regulate the value of the money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in the payment of debts, Now, therefore, be it Resolved by the Senate and House of Representative of the United States of America in Congress assembled, that ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payments in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy ; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law. 

( b ) As used in this resolution, the term 'obligation ' means any obligation ( including every obligation of and to the United States , excepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States , including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. 
Sec. 2 The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled 'An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and of other purposes ;, approved May 12, 1933, is amended to read as follows : " All coins and currencies of the United Stated ( including Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations ) heretofore or hereafter coined or issued, shall be legal tender for all debts, public and private, public charges, taxes, duties, and dues, except that gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. ' APPROVED, XX/XX/XXXXUNE 5, 1933, 4:40 P.M. 31 U.S.C.A. 462, 463 HOUSE JOINT RESOLUTION 192, 73D CONGRESS, SESS. I, CH. 48, JUNE 5, 1933 ( PUBLIC LAW NO. 10 ) NOTE : " PAYMENT OF DEBT '' IS NOW AGAINST CONGRESSIONAL AND " PUBLIC POLICY '' AND HENCEFORTH, " EVERY OBLIGATION... SHALL BE DISCHARGED. '' AS A RESULT OF HJR 192, AND FROM THAT DAY FORWARD ( JUNE 5, 1933 ), NO ONE IN THIS NATION HAS BEEN ABLE TO LAWFULLY PAY A DEBT OR LAWFULLY OWN ANYTHING. THE ONLY THING ONE CAN DO, IS TENDER IN TRANSFER OF DEBTS, WITH THE DEBT BEING PERPETUAL. THE SUSPENSION OF THE GOLD STANDARD, AND PROHIBITION AGAINST PAYING DEBTS, REMOVED THE SUBSTANCE FOR OUR COMMON LAW TO OPERATE ON, AND CREATED A VOID AS FAR AS THE LAW IS CONCERNED. THIS SUBSTANCE WAS REPLACED WITH A " PUBLIC NATIONAL CREDIT SYSTEM '' WHERE DEBT IS " LEGAL TENDER '' MONEY. 
HJR 192 was implemented immediately. The day after President Roosevelt signed the resolution, the treasury offered the public new government  securities, minus the traditional " payable in gold '' clause. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 
Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA, I respectfully request you forward this information within 15 days of the completion of your re-investigation. 
Thank you for your consideration and cooperation in resolving this matter. If you have any questions concerning this issue, I can be reached at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX ( XXXX SS # )

Company response to consumer: Closed with explanation