Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: TX
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:
This complaint is regarding EQUIFAX infringement of reporting as well as investigation I have sent FTC complaint as well as CFPB complaint after complaint. sent letter and violation after violation at this point, I feel as though it is my race, and my current reporting status as is shows on their report benefits them for me to be on the lower average of consumer reporting ( DISCRIMINATION ). I have a fraud alert on their CRA reporting platform and yet still the refuse to remove DEFAMATION of information from reporting platform. i feel as though information and proof has been providing, they do not take my rights to the highest regards. This agency as well as companies helping in my DEFAMATION OF CHARCATER dispute/status. They were to notify me within 5 days prior and I WAS NOT. As the original creditor, ONLY I can validate the alleged debt that they are trying to tack to my file and report. They have taken their platforms to bury me with stress and unjust acts when cause me pain and suffering refusal of having my own things in need to help my family prosper and be above average in the world thats already set for me to fail as a single working-class mother trying to make sure we are not a part of welfare in environment. which i believe this CRA as well as companies would enjoy seeing me suffer as a woman of XXXX and single trying to provide for my children and build a family of integrity which EQUIFAX lacks integrity. they have used their E-Oscar and generic response to my disputes as a consumer to be unjust. They also are a part of my breach of information per there most recent breach that cause me to have my private information to be plastered in placed they were not supposed to be which improper people and scammers could use my information at the cost of EQUIFAX. EQUIFAX has broken the law several times as well as help me be violated by several companies. These following accounts must be deleted.at once. failure to respond with demanded deletions with a free report or updated changes will proceed with actions against CRA EQUIFAX for VIOLATIONS THEY UPHOLD AND INFLICKED AGAINST ME AND MY CHILDREN. STOP VIOLATION MY RIGHTS AND OKAYING COMPANIES TO VIOLATE MY RIGHTS. THIS IS A FORM OD CONSUMER MOLESTATIONS.THEY CLAIM TO HAVE VERIFIED INFOMATION IS A LIE BECAUSE XXXX AND XXXX REMOVED INFORMATION BECAUSE IT COULDNT BE VERIFIED. THE 2 OUT OF 3 REPORTS MATCH AND EQUIFAX IS THE ONE WITH ALL THE INACCURACCIES.

As well as accounts with a late report per law shouldnt have any late payments when account have a exsisting finance charge.

15 U.S. Code 1605 - Determination of finance charge : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. REMOVE INACCURATE LATE REPORTING PAYMENTS UPDATE AS PAYED AS AGREED!!! -- - WHAT EQUIFAX IS SAYING VERIFIED IS A BILLING ERROR ( LAWS TO REFRENCE ) 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1666b - Timing of payments ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation