Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I was attending the XXXX XXXX XXXXXXXX XXXX. The Student Loan was with XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Total Loans Amount {$11000.00} In XXXX my husband XXXX XXXX XXXX and I filed for XXXX XXXX Bankruptcy. My student loans were listed on it. The next following year of XX/XX/XXXX we filed for XXXX XXXX Bankruptcy, my student loans were listed on it. On XX/XX/XXXXXXXX XXXX XXXX was Discharged and my student loans were accepted and Discharged by Court Order under the law that any case began under a different chapter of the Bankruptcy Code and was later converted to XXXX XXXX, debts owed before the conversion are discharged. 

Granted by the United States Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  Case number : XXXX United States Bankruptcy XXXX XXXX XXXX XXXX Attorney 's information at time representing XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX Bar Number and State : ( XXXX ) OH Present Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX During the XXXX XXXX XXXX XXXX XXXX XXXXXXXX was very nice and understanding. After my student loans were discharged XXXX called me and they were verifying that they did receive the XXXX XXXX Discharge Orders from my Attorney, and that my student loans have been discharged. XXXX explained to me not to worry if I see the student loans on my Credit Report. That it would stay on there for 3 years, and only show as being reported as a Positive account. Then after 3 years, it will be on there for 7 years as a Positive Closed Account. 
Last year in XX/XX/XXXX I noticed that the student loans were still on my Credit Report. I disputed with all 3 Major Credit Bureaus XXXX, Equifax, and XXXX. The disputes were declined. I then noticed that XXXX was no longer in control of my student loans and they sold out to a company named XXXX. 

XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed again informing them of thXXXX XXXX  XXXX Discharge and how the student loans were accepted and also discharged, and what XXXX  told me. XXXX refused the disputes again. In XX/XX/XXXX, XXXX reported to the Credit Bureaus that my account is active, lying and claiming that " we '' came to an understanding and that I agreed to pay a monthly amount. Afterwards, XXXX was harassing me with phone calls and emails to pay off the debt. A few times I received 6 phone calls in one day. They were rude, raising their voice, insulting me and using profanity. In XXXX it became worse they were intimidating and threatening me that they were going to take my car and my house away from me. Stating that " Well your kids asses will be homeless and living on the streets all because their piece of XXXX mom wouldn't pay off her student loans. '' There were times that I got off the phone crying. They even increased the amount to {$12000.00} and they illegally changed the year to XXXX, claiming that I have to have it paid off by XXXX. I contacted our Attorney XXXX XXXX XXXX XXXX to make sure. XXXX XXXX XXXX XXXX confirmed that the student loans were indeed discharged and advised me to dispute again informing them that they are breaking the law for numerous reasons ; not closing the accounts, not closing the accounts as positive closed accounts, reactivating a closed account, reactivating a closed account without my knowledge or permission, making false statements and claims against me on agreement terms to pay, illegally increasing the debt amount on a discharged debt, ignoring a direct Court Order, falsifying information that effects my Credit Report and Credit Score, harassing, using intimidation and threats to try to collect a debt. He told me to dispute again and this time tell them of their crimes and submit the XXXX XXXX Petition to Discharge and the Discharge. That it clearly states and shows that the student loans were not exempted from it. That they will also read the part that it states Creditors can not collect discharged debts This order means that no one may make any attempt to collect a discharged debt from the debtors personally. For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors can not contact the debtors by mail, phone, or otherwise in any attempt to collect the debt personally. 
Creditors who violate this order can be required to pay debtors damages and attorney 's fees. 

I disputed again, they refused again. XXXX changed it to XXXX Accounts, but Equifax and XXXX didn't. After a year had passed I called XXXX and demanded for all of it to be corrected on my Credit Reports. They informed me to go onto the XXXX site, and in my XXXX under the Documents tab upload the XXXX XXXX XXXX XXXX XXXX Discharge. I uploaded the XXXX XXXXXXXX Petition, XXXX XXXX XXXXmissal, XXXX XXXX Petition and the XXXX XXXX Discharge. I never heard back from them and they never gave me information on my case, so I called again. Customer service informed me that they did review the documents that I submitted and that they rejected my claims. I checked on the XXXX XXXX and there was no report about it. I demanded to know their reasons for going against a Judge 's Court Order, they replied " They said it's because they have the correct person and information. You are the person that's on the loans. You agree, I'm talking to you right now '' I responded " Well DUH! No XXXX I'm the person that's on those loans, I never denied that. What about the documents I submitted? Where in their findings did they review the Discharge? I gave them my Attorney 's information, did they call or email him? '' they replied " No, I'm sorry I don't see anything about that. Those are their findings and that's final. So would like to start a payment plan? '' I informed them how it was illegal that they didn't investigate and ignore all materials and information that I gave to them. That it's illegal that they did not report their findings to me and that it's illegal that they are withholding their reports from me.