Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: CA
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:
Credit bureau refusing to investigate and company canceled the debt Re : Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXXXXXX XXXX XXXXXXXX I wrote the credit bureaus in XXXX and again in XXXX and asked them to investigate an Error reporting on my credit report XXXX  Bank XXXX, instead they refused to investigate and simply sent a blanket statement stating Consumer disputes resolved. Meanwhile I wrote XXXX Bank and asked that by law they provide evidence of the error they were reporting on my credit file was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the error debt that was reporting on my name. I disputed this cancellation of debt with the IRS who said I did not owe as income the cancellation of debt and then repeatedly wrote you explaining how the information was being reported incorrectly. 

I wrote the bureaus again in XXXX and XXXX and Instead of the credit bureaus investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. They let this error affect my credit history for over 70 months without looking at the proof that was sent. 

How can I have a balance of {$7500.00} but the company cancelled the debt. 
How can the credit bureaus wrongfully in error report a debt that not only doesnt belong to me, but that was file as a cancellation of debt with the IRS .

How can the credit bureaus report a late payment, say this it at 100 % and a balance owed when the company themselves could not provide proof that this debt belonged to me. How can the company claim this as a loss to the IRS yet the credit bureaus allow them to erroneously attempt to collect a debt that not only didnt belong to me, but they paid less taxes on filing their books and corporate taxes. How could it be erroneous income to me, a loss to this company and a gain for them to try to collect a debt that doesnt belong to me. For years the credit bureaus allowed them to negatively cause me harm. Causing damages to me. 

Furthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. The credit bureaus continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to them since XXXX. 

How is any of this legal? 
How is it legal for me exercising my rights by law asking the credit bureaus to investigate and them reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. 
How many other consumers have suffered at the hand of the credit bureaus for failing to investigate as well? 

I am asking that the credit bureaus remove this erroneous account from under my name ASAP. 


*IRS proof attached XXXX XXXX XXXX

Company response to consumer: Closed with explanation