Consumer complaint received 2022-05-01
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:
I have contacted EQUIFAX several times in regards to having this issue resolved and nothing has been done. On my credit report they are showing XXXX inaccurate late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with XXXX 120 days lates on my credit report I have contacted XXXX the Mortgage Company for my loan who has verbally told me several times on a recorded line that my account is in good standing and no lates should be reflected on my account and credit report with EQUIFAX for my account with XXXX who the account is with. XXXX sent me a letter that they have responded to my dispute directly and has notified EQUIFAX on XX/XX/XXXX to have the information on my credit report to be updated and reflect no late payments I just spoke to a EQUIFAX rep again on XX/XX/XXXX who said they didn't receive anything from XXXX so I have disputed the item again with EQUIFAX for the following creditor : XXXX XXXX stated that they contacted EQUIFAX to correct the information on XX/XX/XXXX I am also attaching my payment stream from XXXX THAT CLEARLY SHOWS THEY ARE NO MISS OR LATE PAYMENTS FOR THESE DATES IN ADDITION HOW CAN XXXX LATE PAYMENTS REFLECT AS XXXX 12O DAYS LATE XXXX ON MY CREDIT REPORT I EVEN MENTION THAT TO THE REPS AT EQUIFAX THAT THATS CLEARLY INACCURATE AND THEY STILL HAVE NOT FIXED OR DELETED THE OBVIOUS INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT THEY HAVE VIOLATED MY RIGHTS AND THE LAW BY NOT CORRECTING OR DELETING THE INACCURATE INFORMATION According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. Their are still accounts that are listed as accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See XXXX Also according to XXXX XXXX On XX/XX/XXXX the US Congress passed the Emergency Banking Act. On XX/XX/XXXX President Roosevelt announced to the XXXX congress that the UNITED STATES was bankrupt. The passage of House XXXX XXXX XXXX removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Control of the Congress.

Company response to consumer: Closed with explanation