Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 
*XXXX # XXXX # XXXX {$510.00} Has agreed to delete all accounts you still choose to report. FCRA guidelines a collection can not be past due. You all have not provided me with the verification method you used on this account that you say you previously verified. This Collection Agency has not verified this account. A collection account can not go into collections according to FCRA guidelines ; the Collection company can not report that because they are not the original creditor. Reporting inaccurate negative information ; violation of FCRA. 
XXXX XXXX # XXXX {$0.00} : Please provide verification the dates XX/XX/2011 XX/XX/2011 regarding late payments listed and provide me with the verification method used. During these periods the military member was XXXX and notified school of her XXXX, but XXXX XXXX released her deferrment due to No Longer Enrolled in School. The memeber was till enrolled, but had to drop classes due to XXXX. Loan was forgiven because memeber is now a XXXX. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. XXXX XXXX has no information on the account. 
XXXX XXXX # XXXX .... {$8000.00} : Reinserted after previous deletion. According to FCRA guidelines a charge off or collection account can not be past due. The account can not be an installment or note account it is a charge off account according to FCRA guidelines. Please verify the said dates of Charge off Lates and or collection. Date of Satus and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
XXXX XXXX : According to FCRA guidelines a collection account can not be past due. The account can not be an installment or note account it is a collection according to FCRA guidelines. Please verify the said dates of collection. Dateof Satus and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
XXXX XXXX Services : XXXX {$4300.00}. Creditor has agreed to update and bring to a positive status and XXXX balance. Please Delete. According to FCRA guidelines a collection account can not be past due. The account can not be an installment or note account it is a collection according to FCRA guidelines. Please verify the said dates of collection. Date of Satus and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
XXXX XXXXInquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.

Company response to consumer: Closed with explanation