Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: OH
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:
1. XXXX XXXX HAS ME LISTED ON EQUIFAX AS CHARGED OFF BUT IS STILL COLLECTING PAYMENTS ON MY RE-ESTABLISHED ACCT. BUT XXXX WILL NOT GRANT ME PROPER FAIR CREDIT INFO TO ALL NATIONAL BUREAUS THAT I AM IN GOOD STANDING WITH XXXX. 

2. XXXX XXXX XXXX IS ALSO COMMITTING FRAUD BY SELLING A CAR THAT WAS SO- CALLED IN MY NAME? I GAVE BACK CAR, SELECTED TO NO LONGER DO ANY BUSINESS WITH XXXX  DUE TO UNETHICAL PRACTICES FROM XXXX REFUSING TOO GET ME A CAR PAYMENT BOOK. XXXX XXXX EXSPECTS ME TO GUESS WHEN PAYMENT IS DUE ON CAR SETS ME UP TO GET BEHIND DUE TO FAIRURE TO GRANT OFFICIAL PAYMENT BOOK FOR LIST OF DATES & TIMES CAR PAYMENT WAS TO BECOME DUE TO MAKE MY PAYMENTS TOTAL LOAN SHARKS JUST A UNETHICAL BUSINESS MESS. XXXX DECIDES TO SELL SAME CAR TO ANOTHER CONSUMER BOUGHT AND SOLD TO ANOTHER CONSUMER FOR A HUGE UNDETERMINED AMOUNT WELL OVER {$11000.00}? THEN TAKES CAR OUT OF MY NAME GETS THE AMOUNT + WELL OVER BALANCES I OWED ON CAR THUS NOW WANTS ME TO GIVE THEM {$11000.00} MORE ON THIS SAME CAR THAT ANOTHER CONSUMER NOW HAS YET STILL THINKS I AM TO PAY THEM MONIES FOR A CAR THEY SOLD IN MY NAME TO ANOTHER CONSUMER WHEN IN FACT I SHOULD HAVE RECEIVED CREDIT FOR THE SALE THUS, NEVER RECEIVED ANY MONIES FOR THE SALE WELL AS CAR WAS PAID IN FULL! YET STILL WANT TO EXTORT MONIES FROM ME FOR A CAR THAT WAS SOLD WHICH INDEED SHOULD HAVE BEEN THE END OF AND CONNECTION AND OR DEALINGS WITH THIS HORRIBLE LOAN SHARK FINANCE COMPANY. 
I demand XXXX be removed from my Equifax credit report such as XXXX & XXXX removed these criminals from my credit reports. 

3. Bankruptcy Listing over 7 yrs. OLD needs to be removed!

I HAVE REQUEST A COURT ORDER FROM US bankruptcy courts BANKRUPTCY IS THE ONLY DEROGATORY MARK LISTED ON MY CREDIT REPORT AND NEEDS TO BE REMOVED WELL OVER 7 YEARS OLD! 7 YEARS & 7 MONTHS? SERIOUSLY WHY CONTINUE TO MAKE ME SUFFER? I INFORMED STATE OF OHIO US BANKRUPTCY COURTS ASKING TO BE REMOVED! BY FEDERAL LAWS ; ALL BANKRUPTCY MUST BE REMOVED AFTER 7 YEARS ON CONSUMER CREDIT REPORTS! TO ADD THE EXTRA 3 YEARS DEPENDS ON YOUR FILINGS SUCH AS CORPORATE SELF-EMP ECTI WAS NOTHING MORE THAN 7 YEARS ONLY! ATTORNEY INFORMS ME OF THIS BEING LISTED IN ANY COURT FILINGS AND IS THE LAW! 
DUE TO ALL NATIONAL CREDIT BUREAUS STAFFS ARE REFUSING TO DO WHAT THE LAWS ARE THUS OBEY THE LAWS THAT AFTER 7 YEARS ALL BANKRUPTCY SHALL BE REMOVED. THE NATIONAL CREDIT BUREAUS WANT TO ENFORCE RUINING THE CONSUMERS BY TRYING TO STUPIDLY UPHOLD 7 TO 10 YEARS WHICH IS NOT FAIR 7 YEARS IS XXXX XXXX 7 YEARS OK LET PEOPLE THAT HAS WORK THEIR XXXX OFF OVER THE YEARS OF GOING THRU CREDIT TRAGEDIES GET BACK ON THEIR FEET AND GET THINGS THAT DO NOT HAVE TO BE ON YOUR CREDIT FILE AFTER A CERTAIN PERIOD SHOULD INDEED COME OFF OF YOUR REPORT. ATTENTION CREDIT BUREAUS BANKRUPTCY FILINGS REPORTS AFTER 7 YEARS ARE SUPPOSED TO COME OFF CONSUMER CREDIT REPORTS ENOUGH ALL READY! 
WHY CHEAT ME OUT OF HARD-WORKING ACCOMPLISHMENTS! NO COLLECTIONS? What is the problem proof shows that credit bureau is sabotaging me? CHEATING ME OUT OF A FAIR AND HONEST PROPER CREDIT SCORE.  HOW CAN YOU ALLOW THIS TO KEEP HAPPENING TO ME? Why!!! LOOK AT THE LIES I ATTACHED FROM BOTH XXXX XXXX & EQUIFAX POSTED ON MY CREDIT REPORT ABOUT MY SCHOOL LOANS RATINGS!

Company response to consumer: Closed with explanation