Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : After reviewing my credit report, I discovered that some of the information was erroneous. I began disputing inaccuracies since XX/XX/2021! I do not owe any money on any of the accounts Im disputing. Im solely disputing the way the accounts are reported. All are paid in full, yet for a year and a half, every month I would mail a letter to the agency in order to have the accounts corrected or removed or at the least send me proof of verification. NONE OF THESE ACTIONS HAVE BEEN TAKEN IN 1.5 YEARS OF MONTHYLY DISPUTES! I have never seen a single shred of EVIDENCE that any of the accounts were PROPERLY validated, though I have asked for proof over and over again. 

The credit bureau must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Section XXXX of the FCRA : ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Its my right to request information on the method the credit bureau used to obtain verification, as well as the details of said verification. The Credit Bureau failed to validate debts at my request, which is a FDCPA violation. Not only have they ignored my prior request for validation of debt ( proof, attached copies or letter Contract bearing my personal signature ). As you may be aware. Estoppel by Silence legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. 

If the Bureau does not comply with deleting the accounts in question and still refuse to offer proof of the verification method or details about it, I am prepared to sue for non-compliance under section XXXX of the FCRA. It is my right to seek a legal and possible financial remedy since they wont follow the rules and guidelines established by law. Im currently preparing my intent to sue letter if my complaint with the XXXX XXXX XXXX does not resolve these inaccuracies. Im aware if they dont comply with the FCRA XXXX they may be sued by the FTC XXXX Consumer Financial Protection Bureau XXXX CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4300.00} per violation in the case of lawsuits brought by the FTC. FCRA XXXX, XXXX, XXXX I have been trying to resolve these issues for over a year and a half and its still not resolved. 

Furthermore, my XXXX XXXX XXXX loans appear on my credit 3Xs each, for the same loan, a total of 24 tradelines for one student loan! How is it legal to create whole new accounts and tradelines for the same loan, all with different information?! Why is the status and information different on all bureaus? None of them match and the only bureau that has is correct is XXXX. It is my understanding that federal loan reporting for XXXX discharged student loans is not legally allowed to have an adverse effect on ones financial ability to obtain credit worthiness for issues and products and services. This is a clear violation of my rights as it is having an adverse impact. In fact, through this process of attempting to have the information verified, the 3rd tradeline was added with negative and false information. They are showing collection accounts where the ORIGINAL tradelines for the loans DID NOT EVER REFLECT A COLLECTION ACCOUNT! They seem to have added the additional accounts to spite me during the process of trying to make sure my Credit Report has the most correct and up to date information. These loans are discharged and should show paid in full as the new tradeline shows. The ( XXXX ) XXXX XXXX TRADELINES ARE THE ONLY ACCURATE STUDENT LOAN ACOUNTS ON MY REPORT, IT SHOULD REMAIN, and the others ( XXXX ) XXXX  XXXX and ( XXXX ) XXXX XXXX XXXX XXXX should be removed in order to comply with the law as stated. I have attached screen shots of all the accounts with discrepancies that Im now requesting be removed. Beyond that the Credit Bureau has a year and a half of all of the proof I have been mailing them since XX/XX/2021 including the discharge paperwork from the government. 

I have mailed letters and called the Credit Bureaus over and over to try to just correct my personal information and it is still not been corrected appropriately. My address has no Apt XXXX. It is a house. After repeated calls and mailings its still inaccurate. I should not have any previous addresses show on my report. I have been at my current address for 10 years and anything prior to that is inaccurate and could lead to fraudulent activity in my name! 

I also have never worked for XXXX XXXX and have not idea why they have not removed this from my file. 

The following inquiries were not initiated by me and thus should not reflect on my report. They should be removed entirely. 
Personal Information XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX  # XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX THE INNACCURATE ACCOUNTS SHOULD BE DELETED AND PROPER INFORMATION UPDATED AS IVE BEEN REQUESTING FOR ALMOST 2 YEARS.

Company response to consumer: Closed with explanation