Consumer complaint received 2018-01-09
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:
On XX/XX/XXXX The following Letter was written to XXXX. 

XXXX Failed to address my complaint and did nothing to rectify the false information and lies they sent to the three credit bureaus. 

My XXXX account is the ONLY Negative account in my credit history XXXX HAS WRONFULLY DAMAGED MY CREDIT FOR LIFE AND REFUSES TO REMOVE THE FALSE INFORMATION THEY HAVE PROVIDED TO THE CREDIT BUREAUS > XX/XX/XXXX Attention : XXXX Debt Collection Department XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # XXXX This letter is a notice pursuant to Fair Debt Collection Practices Act, 15 USC 1692g 809 ( b ) that your claim is disputed and evidentiary validation is requested. 

COMPLAINT : XXXX reported falsified information to the three credit bureaus including XXXX XXXX, Equifax, and XXXX stating XXXX XXXX has been past due on an alleged loan The following dates have falsely been reported to all credit bureaus as being past due : 180 days past due as of XX/XX/XXXX, XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I, XXXX XXXX claim that in XX/XX/XXXX, disputed the entire original amount of a student loans serviced by XXXX ( {$20000.00} ) because the debt was the direct result of fraud and misrepresentation committed by XXXX, Financial Aide and The Admissions Department of XXXX College. In addition, even with this so called college degree funded by XXXX.. .I still could n't acquire employment. The reason for my claims include, but are not limited to ( a ) the urgency of enrollment and the need to enroll immediately, ( b ) false claims about historical success in finding jobs in my field of study, ( c ) false claims regarding earnings statistics of graduates, ( d ) false claims about employment assistance the school provides, ( e ) false claims about the quality of the educational programs, ( f ) false claims about the transferability of credits, ( g ) false claims about the cost of a degree, ( h ) false claims about the value of a degree from XXXX College, and ( i ) predatory and high-pressure sales tactics. 
XXXX had sent several delinquency notices to me regarding the payments on the debt. I advised XXXX that the debt is a DISPUTED DEBT and further warned XXXX that if they were to report any delinquency to credit reporting agencies, that the Fair Debt Collection Practices Act requires that XXXX notify the credit agency that the debt is a DISPUTED DEBT. 
In response to my complaint, in XX/XX/XXXX, XXXX claimed that they would inform the credit bureaus of the disputed debt and I agreed to place the disputed debt into forbearance and defer any payments until a resolution could be made. However, XXXX failed to uphold to theagreement and completely and falsely reported inaccurate delinquencies to all three major credit reporting agencies ( thus affecting my credit rating to my detriment ) WITHOUT the required notice that the debt is a DISPUTED DEBT. This is a violation of Federal Law. 

All False claims are disputed and I demand you correct the inaccurate claims of late payments reported to the credit bureaus ... and This is a formal request for VALIDATION of the original alleged debt made pursuant to the above named Title and other relevant sections of the Fair Debt Collection Practices Act. You have 5 business days upon receipt of this letter to provide me with the following information or statements of compliance : Identify and provide copies each and every deferred payment agreement XXXX XXXX agreed to. 
Identify and provide copies each and every forbearance agreement XXXX XXXX agreed to. 
Provide actual evidence XXXX XXXX was ever late on any payment Identify the original creditor and explanation of what the alleged debt is for ; Provide COPIES of any documentation proving services or products were received, the dates services or products were purchased, and support documentation proving I, the consumer, agreed to pay for services. 
Provide copies of any documentation proving XXXX is the original and rightful owner of this debt, or purchased this debt from another party and is rightfully owner authorized or entitled to collect this debt ; Provide a Detailed Explanation of how the existing amount ( {$28000.00} ) of the alleged debt was calculated ; Indicate the date of the alleged debt for purposes of Statute of Limitations defense ; Proof that you are licensed to collect in the state of FL ; and Provide your Registered Agent contact information. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. If you have violated my rights under the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, then I will not hesitate in bringing legal action regarding your civil liability under FDCPA, 15 USC 1692g 813. 
With the exception of providing validation for this alleged debt, this letter is also a formal written request that you stop reporting false information to : XXXX, Equifax, or XXXX credit bureaus, OR contacting me about the above account as required by the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Your cooperation will be appreciated. 

Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX EQUIFAX

Company response to consumer: Closed with explanation