Consumer complaint received 2019-03-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Re : Documentation and Rules for Consumer Reporting Agencies to Follow When Reporting Negative Information and Statue of Limitations for Reporting During XXXX and XXXX I have filed disputes for the following two collection reports to all three major credit reporting agencies 1 ) XXXX, 2 ) Equifax and 3 ) XXXX.

Collection Reporting Companies : 1 ) XXXX 2 ) XXXX XXXX I believe their has been a database error in these companies because suddenly these two collection accounts have appeared on my credit reports.

Neither company has provided any valid documentation to the consumer credit agencies that I have opened an account with them or that I have a collection account and they have been in contact with me for a payment within the fair credit reporting time-barred/statue of limitation. 

I have not heard from these companies ever. It is important to know that I graduated college XXXX, as these are student loan collection accounts. 

If I owed them they would have contacted me well before now, ten years after I graduated from college. I believe their has been a database error. 

XXXX XXXX actually filed a lawsuit against me in court which was " dismissed '' because XXXX XXXX presented a fraudulent accounting statement they created representing false information to try to convince the court that they had contact with me within the statue of limitations. When they couldn't provide back up documentation to the court for the fraudulent statement they created, the case was dismissed. XXXX has demonstrated this fraudulent behavior nationwide, please see CPFB, Federal Consent Order : https : //files.consumerfinance.govXXXX However XXXX XXXX and XXXX are still sending credit reporting Collection Account data to the three major consumer credit reporting agencies falsely reporting 1 ) the date my account was opened. Their reporting is false because 1 ) I have not opened a student loan account since years before XXXX, 2 ) these accounts they supposedly bought and are trying to collect on are not mine, 3 ) if I did have an account it would have been for the year XXXX and before which is outside of the time-barred consumer reporting statue of limitations. 

I have disputed with the consumer credit agencies three times since XXXX and the consumer credit agencies are not responding with the proof of documentation within the statue of limitations that XXXX and XXXX XXXX is reporting. The three credit agencies have performed their " required investigations within 30 days '' and do not provide me access to the investigation results. The consumer credit agencies send me a notification email with a confirmation number, they send me an email with a link to the results. However, when I use the confirmation number to obtain the results they all have blocked my access to the results providing me with an " error '' when I select the Results Link. 

Can you help me obtain the results of 1 ) XXXX, 2 ) Equifax and 3 ) XXXX investigation 's?

Can you help tell 1 ) XXXX, 2 ) Equifax and 3 ) XXXX that they can not report any further Collection Reporting from 1 ) XXXX  and 2 ) XXXX XXXX because they have not provided documentation that I have opened an account or that I have had contact with them on an old previous account within the statue of limitations for reporting? 

Also, I am a resident of California. 

Resources : CFBP Federal Consent Order : https : //files.consumerfinance.govXXXX 15 USC 1681 FDCPA 1692 Cal. Civ. Code 1788.56

Company response to consumer: Closed with explanation