Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MA
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:
Equifax is violating my Rights as a Consumer. XXXX XXXX is also violating my Rights as a Consumer. I am in a never ending loop between Equifax and XXXX XXXX in which they are complicit in KNOWINGLY Violating my Rights. 
XXXX XXXX brought a lawsuit against me in the District Court. The case was decided in my favor. 
I have a Judgement of Dismissal that explicitly states '' On the above claim, the Court has, upon dismissal, DISMISSED this claim... This means the defendant DOES NOT have to pay the plaintiff ANY PART of the claim or costs in this claim. '' Dated for XX/XX/XXXX. 
This document was sent to all parties involved in the lawsuit. Reporting that I owe ANY amount to ANY credit reporting agency AFTER receiving this Judgment of Dismissal is unlawful. 
After noticing this Account was still reporting on my Credit Report, I disputed this account with Equifax. On XX/XX/XXXX By certified mail, I sent a dispute disputing this account and also sending in the Judgement of Dismissal that I received from the Courts to prove this account was NO LONGER ABLE TO REPORT as I DID NOT OWE THEM ANYTHING and the entire account must be removed. Equifax went through their process determined the account was VERIFIED by XXXX XXXX. XXXX XXXX then sent me their " proof '' through the mail, totally ignoring the Court decision, and instead sending me documents their Attorney didn't even present before a Judge. On XX/XX/XXXX, by Certified Mail, I disputed this same account with Equifax again, asking for a reinvestigation, and again sending in my documents from the court Verifying the account in question that was being Disputed with XXXX XXXX was actually the account being shown in the Judgement for Dismissal. Equifax concluded their reinvestigation and deemed the account to be VERIFIED and ACCURATE, despite having a copy of the Court order and this information being easily accessible online. They are able to VERIFY the information I was presenting them by accessing Massachusetts Court Records online! Last week I decided to call Equifax to speak with someone personally. The representative I spoke to told me he would resubmit a Dispute. No, Thank you. Been there, done that, WITH SUPPORTING DOCUMENTS. I asked to speak to a Manager, was transferred to the Floor Manager who told me Equifax is " only '' a credit reporting agency and can " only '' report was is given to them by furnishers. I was told that they could still report this Account even with a Judgement for Dismissal. Today, I decided to call XXXX XXXX using the number listed on the account on my credit report. The number did not belong to XXXX XXXX but belonged to XXXX XXXX, who is servicing XXXX XXXX accounts. The representative looked up my account and said the only way to have this account removed from Credit Reporting is to pay it. I asked to be transferred. The person I was transferred to told me the same thing. I asked to be transferred to a Manager. The person who took the call did not identity themselves as a manager but proceeded to read from a LONG DOCUMENT making sure to finish, getting louder if I interjected. She basically read a document that explained that the case was Dismissed WITH Prejudice ( they have the document from the Judge ) which means that the LEGAL part of the account was closed, they could not pursue legal action but could still report the account to the Credit Reporting Agencies. Which makes absolutely no sense. She then proceeds to tell me the only way to have the account removed is to pay it. I have a Judgment of Dismissal for this account from the Courts which BOTH Equifax and XXXX XXXX refuse to acknowledge. This account has remained on my Credit Report for almost a year after the determination by the courts. I continue to pay High interest rates, have been denied a school loan for my daughter to attend college, went through an immense account of mental anguish which persists to this very day, and financial burden due to this issue I am having with Equifax and XXXX XXXX. Laws are put in place to prevent this very situation and Equifax and XXXX XXXX are acting as if they are both above the Law. 
The Fair Debt Collection Practices ' Act IS THE LAW. 
Equifax and XXXX XXXX is in violation of the law. 
This is False Misrepresentation of the legal status of this debt and continuing to report it after having a Court Ruling is unlawful. The persistence with noncompliance to the law is being documented. 
The CFPB and the FTC are my final courses of action before suing Equifax and XXXX XXXX. I am REQUESTING REMOVAL and THE COMPLETE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT as I DO NOT OWE ANY AMOUNT TO XXXX XXXX and this information should not be reporting on my credit report. 
Docket NumberXXXX Date of Judgement : XX/XX/XXXX

Company response to consumer: Closed with explanation