Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: AR
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:
THIS IS NOT A DUPLICATE DISPUTE*The credit bureaus continues to report negative items on my credit report. The Credit bureaus stated Account Name XXXX XXXX and Account # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX - and Account # XXXX, Account name XXXX  XXXX and Account # XXXX, Account name XXXX and Account number XXXX, Account name XXXX XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX  and Account number XXXX, Account name XXXX XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX XXXX and Account number XXXX, Account name XXXX XXXXXXXX and Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX and Account # XXXX, Account name XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX and Account # XXXX, Account name XXXX XXXX and Account # 's XXXX, XXXX, XXXX, XXXX, Account name XXXX XXXXXXXX XXXX XXXXXXXX and Account # XXXX XXXX Account name XXXXXXXX XXXX XXXX and Account # XXXX XXXX Account name XXXX XXXX and Account # 's XXXX, XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX and Account # XXXXXXXX XXXX XXXX XXXX and Account # XXXX, Account name XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX and Account # 's XXXX, XXXX, & Account name XXXX and Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date open is inaccurate, date last reported is inaccurate, and monthly payments are inconsistent with no information ( ND ) or going from late payments and continuing to to report a charge off monthly. This is ground for removal immediately. 
They also violated my rights as a Consumer under 15 U.S.C. 1681 Section 604 a SECTION 2 : The law Clearly states a Consumer reporting agency can not furnish an account without written instructions.

They also violated my rights as a Consumer under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law Clearly states the credit bureaus have five days to notify me from when they receives my disputes.

They also violated my rights as a Consumer under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law Clearly states if items are found inaccurate or can not be verified the Consumer reporting shall promptly deleted information from the file of the Consumer.

Under 15 U.S.C 1684 section 602 A. Stated I have the right to privacy.

I want proof of Validation of the debt -- that is, the actual accounting and verification of a signed invoice with a copy of the Contract binding both parties ( me and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered. '' However, according to 15 U.S.C. 1692E,15 U.S.C . 1692D, AND 15 U.S.C. 1692B not use any language or symbol on any envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Under U.S.C. 1681n Civil liability for willful noncompliance ; 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; In Arkansas, written contracts have a statute of limitations of 5 years. The statute of limitation period begins anew as a partial payment or written acknowledgement of default of the debt tolls this statute of limitations ( A.C.A. 16-56-111 ). In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). Health Insurance Portability and Accountability ( HIPAA ) violations on items being reported on my Consumer report which I never gave them access my information. Which I demand monetary compensation for this violation. 

I didn't authorize the following inquires either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation