Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NC
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:
The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/2021 with a balance of {$3600.00} and XXXX XXXX XXXX a collections account for {$3100.00} [ 15 U.S.C. 1681 ] Section 602 A states I have the right to Privacy ( For this reason and law alone the account should be removed! ). It also states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.. 15 U.S. Code 1692c - C This also means there should be contracts on this debt that have not been produced by either company let alone to or Equifax XXXX, nor did they investigate the Validity of either. 
Equifax nor XXXX did nothing to investigate any of this nor have they provided a true contract with this Bank/ Company . They said they launch an investigation as to whether the information was correct or not, yet they verified it with XXXX XXXX, ( which i have never entered into a contract with ) Equifax and XXXX has failed to investigate and prove that i did.. They did not launch a proper investigation, Investigation, According to 15 US code1681 ch3 e ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. However, They seem to have obtained their information directly from the creditor. They have not done the proper investigation. I had also hired XXXX XXXX XXXX to write letters asking for and investigation and they had to remove it. I am have XXXX XXXX XXXX  send me those letters now in case they are needed. XXXX has already removed this once because they could not prove the debt or produce a contract. XXXX also says they launched an " Investigation, '' but the only thing they did was UPDATE the Account according to the Companies in question. They have not investigated this debt nor the companies invasion of my privacy or the fact that they refused to cease communication and were and would not stop until they could not produce a contract. Equifax and XXXX are violating my rights by not investigating this properly. This is not the first time. Their letter to me to report their investigation says nothing except that they investigated and updated the account. There is no proof of an investigation. It also states the this is a charged off account which means it was paid off and the balance is XXXX. They can not longer hold me accountable for this account whether it is mine or not. They no longer even own the account. Not only did they charge it off and get paid for it by the government, they also sold it without my permission to make a second profit without my permission to XXXX credit who does not hold a contract with me and unless they do I can not be held liable for this debt. By keeping it on my Credit report Equifax and XXXX are committing Fraud. They are by association guilty as XXXXXXXX XXXX  for selling the loan and charging it of which is stated on the credit report.

Company response to consumer: Closed with explanation