Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is for the attention of the Consumer Financial Protection Bureau, the FTC, XXXX XXXX and the Equifax Credit Reporting Bureau. 

I am writing in reference to two accounts that I have sent numerous complaints about since XXXX of XXXX. The issue is an account ( XXXX XXXX Mortgage/Equity # XXXX and # XXXX ) that are past the statue of limitation and yet still displaying negative and destructive information on my report since over 7 years which should not be appearing on my file any longer. 

The very reason I ask that these two accounts to be deleted completely is because each and every time Equifax attempts to correct the inaccuracies it does not fix the issues on my XXXX, Free Annual Credit Report, XXXX XXXX and XXXX. The Remarks are the only information that keep changing along with the month to month status that are simply being deleted. Now, since Equifaxs last fix the remark on one account reads SETTLEMENT ACCEPTED ON THIS ACCOUNT, Bad Debt and Placed for collection and Skip since XXXX XXXX. What on earth does that mean? What settlement? What bad debt and what collection? This is a government handled loan and was purchased many years ago by the FHA and XXXX XXXX has nothing to do with this account and can not make such claims. By law produce to me XXXX XXXX ' claims of this supposed " settlement '' and produce court papers and send me information as to when and where this account was placed for collection and which company is handling the collection ; because this is all news to me. This is a government backed and purchased loan from a XXXX XXXX lawsuit for illegal loan appropriation. 

When I receive your dispute results and notice everything beside lates from XXXX have been deleted I am very suspicious of your illegal practices and FCRA violation regarding reinvestigation laws. You should be very careful how you handle this going forward because I have thorough records of your illegal actions and I am ready to sue. 

The only correct way to fix this is to delete the 2 XXXX XXXX accounts for mixed and inaccurate information. It is utterly illegal to allow this to continue. I have attempted to purchase two cars for my business in the last few months and have subsequently been declined a loan due to this inaccurate account. Please, I implore you to see my inquires to confirm this information as accurate. My business can not function without delivery vehicles and no company is entrusting me with a loan because of this old and mixed reporting. I can absolutely sue for damages, revenue loss and financial defamation, not to mention FCRA violations, but I am attempting to resolve this cordially and yet I am not being heard. I keep asking for a thorough and detailed dispute upon this matter but I am only met with insignificant changes to the remarks comments and dates sections of my credit report regarding the referenced account. I contacted XXXX XXXX as well and they are terribly unhelpful and rude. 


Please reference my dispute sent via Certified Mail to Equifax in XXXX ( It should be in your records ) and also my first dispute on this website from XXXX. Please help me come to a proper resolution. Thank you all so much. 

PLEASE NOTE : My email address has changed.

Company response to consumer: Closed with explanation