Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/XXXX with a balance of {$3600.00} and XXXX XXXX XXXX a collections account for {$3100.00} I had could not keep that account open during COVD and could not make any payments. I continued to receive calls and letters from the company even after i had expressed my situation. This was removed from my credit report and XXXX XXXX showed up with a different balance. I disputed this not knowing what it was and then XXXX XXXX showed back up on my credit reports again along with XXXX XXXX  that would not quit sending me letters until i had a 3rd party send a response. XXXX XXXX had was not reporting to all 3 bureaus until it was disputed and removed and now they are reporting again.

According to the law, my credit is supposed to be private I did not give either one of these companies permission to put this information on my credit and had a third party send a letter accordingly. The both reported that they meet the fair credit reporting act with no other response.

[ 15 U.S.C. 1681 ] The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX was in communication with me and 3rd party letters when they sold this debt to XXXX. 

Again, i have given neither one of them permission verbal or written to share my information. All of my information and the letters of communication they sent is with Dispute my client. I forwarded it all to them, but they only work on things for 1yr. Meanwhile i still received calls from both of these companies but declined to answer. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed. 
XXXX XXXX also shows on my XXXX report that I went from a {$3100.00} balance in XX/XX/XXXX to XXXX $ balance in XX/XX/XXXX. This is different from the other reports and different from the last time they reported. Which would state i had paid it. I did try to work with them during COVID, but was not able to comply to their terms since i had no job per the government. ( I am a massage therapist ). I had their insurance on my account that i paid for monthly for just such a situation, and they said that it would only a few months of payments and that they would still report me as bad credit.

IF you need stacks of documentation, too numerous to upload, I will have Dispute my credit send you my files.

Company response to consumer: Closed with explanation