Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax had been mailed an official dispute letter USPS Certified Mail. Soon after, I received the results of the investigation only from Equifax and XXXX by mail with the correspondence date of XXXX XXXX while XXXX " updated '' the profile. The Credit reporting agencies stated that my account has been properly investigation but that is not accurate due to the reported balance of $ XXXX XXXX is inaccurate, the status of the account, and late payments/CO status reported from XX/XX/XXXX, XXXX Current date is not accurate. This specific account has been removed from XXXX, while XXXX, and Equifax have a reputation of disrespecting my character and ability to extend my consumer credit. Meanwhile, these credit reporting agencies have received the same information shown in the Exhibits section of the Credit Validation Letter from XXXX XXXX. XXXX XXXX sent a Credit Validation Letter on XXXX XXXX as a result of the investigation along with the original contract/ Original Receipt, and the total amount due shown : {$0.00}. Also, the Original Receipt of the transaction shows a balance of {$0.00} as well. Pertaining to the diminishing comment of a Charged off yet a 1099a, 1099c, nor 1099OID has not been provided by the company ( XXXX XXXX ) nor the reporting agency themselves as evidence that would support this claim. One can imagine the immense mental anguish that this has caused to my livelihood and reputation to obtain and extend my personal credit due to negligence. I am led to believe that the consumer reporting agency would rather destroy my reputation and determined to consistently violate my rights in such a way that is unfathomable. In addition, on XX/XX/XXXX XXXX updated this account as " Closed '' when it had been closed since XX/XX/XXXX, causing a XXXX point decrease to date. 

USPS Certified Tracking # 's : XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX 15 U.S.C 1681 ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; as to the XXXX negative remarks/late payments listed within the payment history from XXXX XXXXCurrent Date resulting in XXXX ( XXXX ) qualifying violations. 

-15 U.S.C 1681 section 602 A Section 1 : States I Have A Right to Privacy -15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written permission -FCRA 623 ad FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account can not report on the credit report.

-15 U.S.C 1681e ( b ) - Compliance Procedures ( b ) ACCURACY OF REPORT -15 USC 1681 sec 611 ( A ) -Also the Credit reporting agency took more than 30 days to complete my investigation here is my Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation