Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: SC
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. Both Equifax and XXXX XXXX XXXX has refused, TWICE, to protect my Rights as a consumer and to comply with the requirements of the FCRA, FACTA, and others. Their negligent non-compliance is causing me unnecessary harm and damage. I have just received a letter of denial of employment for a high paying job. This lost opportunity and loss of income could have been prevented if they had acted in Good Faith and performed their required duties. 

2. Below you will find the specific accounts, with specific details, of the multiple violations Equifax and XXXX XXXX XXXX refuse to delete from my credit report. I ask for your help and assistance to hold them accountable for their non-compliance and the unnecessary harm and injury they continue to cause. 

AS WAY OF BACKGROUND 3. XX/XX/XXXX : I presented my initial dispute to Equifax due to several inaccurate, incomplete and erroneous accounts they are reporting on my credit report. I requested that they verify the information they are reporting, provide proof of their results, and also to correct each violation or delete it off my credit report. 

4. XX/XX/XXXX : Equifax submitted their response to my request, stated they verified each account, and continue to report the numerous violations causing me more harm and damage. In addition, although I presented a written request for Equifax to provide and deliver any proof and documentation they collected during their investigation, they refused to provide even a single document or any information whatsoever. 

5. XX/XX/XXXX : I presented a debt validation letter directly to XXXX XXXX XXXX requiring the production of a true and certified audit trail for the accounting of their alleged debt ; proof of lawful, proper and timely delivery of any and all required Legal Notices ; proof of the commercially reasonable manner of the resale of the alleged subject vehicle ; and proof that all allowable redemption and cure time limits were strictly adhered to, amongst other things. 

6. XX/XX/XXXX : XXXX XXXX XXXX submitted a very generic, uncertified Statement of Account that is BACKDATED to XX/XX/XXXX, and they refused to provide even one of the specific documents required to validate their alleged debt or show proof of their required Legal Notices. 

7. XX/XX/XXXX : I mailed a Notice of Default and Right to Cure to XXXX XXXX via the USPS, Certified Mail, Return Receipt requested. 

8. XX/XX/XXXX : XXXX XXXX XXXX signed for and received the Notice of Default and Right to Cure, and they have refused to response in any manner whatsoever. Yet they still report their violations on my report. 

9. XX/XX/XXXX : I presented a second dispute to Equifax to inform them the accounts they claimed to verify, were still reporting information in violation of the FCRA. Since Equifax claimed the information was already previously verified, I did not request another verification. Instead, I demanded each of the accounts in violation to be deleted in their entirety. ALSO, I made a SECOND request, in writing, for Equifax to provide and deliver to me a copy of any documentation and information they collected and used during their investigation. ( SEE ATTACHED DISPUTE ) 10. XX/XX/XXXX :  Equifax refused to delete the accounts reporting in violation, and they continue to cause me harm and damage. Plus, Equifax still refuses to produce, provide or deliver even a  single document or any form of information from their investigation ( as I required in writing a SECOND time ).

OFFICIAL COMPLAINT 11. VIOLATIONS ON BANKRUPTCY ( REFERENCE # : XXXX ) a. XX/XX/XXXX : I presented an on-line request to XXXX to place a Security Freeze on any and all reports and releases of information, associated with my name and social security number, that they provide to any third-party source, company or affiliate. 

b. XX/XX/XXXX : XXXX submitted response and confirmation of my requested Security Freeze along with a Personal Identification Number ( PIN ), which is required for me to lift the Security Freeze if and when I so desire to lift the freeze. ( SEE ATTACHED CONFIRMATION ) c. EQUIFAX LIED about their reinvestigation and verification. They state above that they verified my disputed information with XXXX on XX/XX/XXXX. HOWEVER, the Security Freeze was placed with XXXX on XX/XX/XXXX prohibiting any information to be released to any third-party. This freeze has NEVER been lifted since it was activated. 

d. I called the courthouse they listed above and requested a copy of any records they have associated with my name and social security number ( if any ) ; and was told they will not release or acknowledge to me, or any other third-party, any documentation or information via telephone, e-mail, fax or U.S. mail. 

e. Equifax refuses to comply with the laws they are bound by, refuses to delete this incorrect information, refuses to verify it directly from the original source, and has LIED to me to cover up for their negligent non-compliance. 

12. VIOLATIONS ON XXXX ( ACCOUNT # : XXXX ) a. CURRENT STATUS : The Current Status reports as Over 120 Days Past Due Mortgage. This account is reporting incorrect information and is in violation. 

i. BALANCE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have a {$0.00} balance due? 

ii. PAST DUE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} dollars past due? 

iii. SCHEDULED PAYMENT AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} scheduled payment? 

iv. ADDITIONAL INFORMATION : Reports account Transferred or Sold. How can I be 120-days past due on a CLOSED account that was Transferred or Sold to another creditor? 

XXXX Equifax refuses to report the creditor this account was transferred or sold to, as is required. 

XXXX Equifax refuses to report the Date of Last Activity as required by law. 

13. VIOLATIONS ON XXXX XXXX ( ACCOUNT # : XXXX ) a. CURRENT STATUS : The current status reports as currently Over 120 Days Past Due Mortgage. This account is reporting incorrect information and is in violation. 

i. BALANCE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have a {$0.00} balance due?

ii. PAST DUE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} dollars past due?

iii. SCHEDULED PAYMENT AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} scheduled payment?

iv. ADDITIONAL INFORMATION : Reports account Transferred or Sold. How can I be 120-days past due on a CLOSED account that was Transferred or Sold to another creditor?

b. They refuse to report the creditor this account was transferred or sold to, as required by law. 

c. They refuse to report the Date of Last Activity, as required by law. 

14. VIOLATIONS ON XXXX XXXX XXXX ( ACCOUNT # : XXXX ) a. It is a violation for a creditor to report a deficiency balance unless all the required legal notices were properly and timely served, and all the allowed redemption and cure time limits were strictly adhered to. 

b. XXXX XXXX refused to validate their alleged debt by certified accounting and failed to produce even one of the required Legal Notices, Resale Notices, Redemption Notices, or any other documentation. 

c. BALANCE AMOUNT : They are reporting a balance of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting.

d. AMOUNT PAST DUE : They are reporting a past due amount of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting. 

e. CHARGE-OFF AMOUNT : They are reporting a charge-off amount of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting.

f. SCHEDULED PAYMENT AMOUNT : They report a scheduled monthly payment of {$77.00} dollars on a closed, charged off account, with no payment agreement whatsoever. How can they report a monthly payment on a closed / charged off account?

g. DATE OF LAST ACTIVITY : They refuse to report the Date of Last Activity, as required by law.

h. ACCOUNT HISTORY WITH STATUS CODES : They continue to update and report this account as late each and every month even though it is closed and charged off, and it has no monthly payment to be late on.

15. VIOLATION FOR REFUSAL TO PROVIDE DOCUMENTATION/INFORMATION/CONTACTS : a. Refused to provide any supporting documentation obtained/used in their investigation. 
b. Refused to provide any information obtained/used in their investigation. 
c. Refused to provide any names or contact information obtained/used in their investigation. 
d. Refused to disclose the name of their employee or representative who completed the investigation. 

RESOLUTION 16. To RESOLVE this complaint, I demand Equifax and XXXX XXXX XXXX to remove each of these violating accounts, delete them from my credit report immediately, and stop the harm and damage they are causing me.

*** END OF COMPLAINT ***

Company response to consumer: Closed with non-monetary relief