Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: TN
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:
The credit reporting agencies made a settlement with 41 attorney generals that they would not report judgments. I had a judgment in the state of Texas and have paid on it as agreed. The Tennessee Dept. of Human services got the enforcement and they are reporting on the judgment. Moreover, pursuant the Tennessee Fair Credit Reporting Act 36-5-106 - Reports pursuant to Fair Credit Reporting Act. ( c ) Reports of delinquent support and the amount of the arrears shall be made only after the noncustodial parent has been notified of the intended action at the last record address required by 36-5-101 ( c ) ( 2 ) ( B ) ( i ), 36-5-805, 36-2-311, and 37-1-151 ( b ) ( 4 ) ( C ) - ( F ) or such other address as may be known to the department, and the noncustodial parent is afforded an opportunity for an administrative hearing before the department to contest the accuracy of such information. The noncustodial parent shall file a written request for appeal of the intended actions as provided by part 10 of this chapter.

The Dept. of Human Services has not afforded me an opportunity or provided a notice of any adverse action. This should be deleted immediately from my credit report. 

XXXX XXXX has no balance and its company policy to remove the item. Original Creditor was XXXX XXXX. If we are credit reporting your account, it will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report. This debt has been paid and has not been deleted. 

XXXX XXXX has no balance and its the company policy to remove the item if balance is settled in full with 2 years remaining. Original Creditor was XXXX XXXX. This company has a policy to delete all credit entries that have been paid that are more than 5 years old. This collections is more than 5 years old. 

XXXX can not be contacted to verify such an account. Their phone is not in service and is reporting information that does not belong to me. This item should be deleted immediately. 

XXXX XXXX has not reported in years and this entry was incorrect due to the fact that the debt was paid to the original creditor and should have never gone to collections and should be deleted immediately. 

XXXX keeps reporting a bankruptcy from the XXXX XXXX of Kentucky and there is no bankruptcy there in my individual name. This info can not be verified by XXXX and is violating my constitutional rights. This should be deleted immediately. 

XXXX XXXX keeps reporting a debt that was paid in 2014 when I moved from Kentucky. XXXX XXXX XXXX kept my deposit and actually owes me {$100.00}. This should be deleted from my credit report immediately. 

XXXX XXXX is reporting a civil judgment from the XXXX County, Tennessee Court. I have sent in the XXXX balance from the judgment and this should never have been reported on my credit. This should be deleted immediately.

Company response to consumer: Closed with explanation