Consumer complaint received 2024-05-14
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies in my consumer credit report that have caused significant XXXX and harm to my financial well-being. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of information provided in consumer credit reports. However, despite my repeated requests for reinvestigation of an account that is inaccurate and was already in prior litigation, the information remains incorrect and has now resulted in incorrect debts being reflected. 

The inaccuracies in my credit report have led to difficulties in tenant screenings, affected applications for housing and employment and have caused me significant XXXX. 

Furthermore, the original creditor waived their right to any months covered by assistance programs such as XXXX XXXX ( appealed and approved as a reason to file the order to show cause ), HUD XXXX XXXX XXXX  Approved with the intent of participating and accepting funds ), and the XXXX XXXX XXXX, which were pending at the time which was later approved. 
This debt is completely invalid and was not awarded in judicial court as a debt, further exacerbating the harm caused to myself and my husband XXXX XXXX. XXXX XXXX intent to proceed to classify this as a collection debt to an unknown third party filed interstate after waiving funds in judicial due process shows the validity of this debt. Unfair misrepresentation of consumer indebtedness furnishing inaccurate information to a third party not affiliated in the ligation proceedings when this should have been a confidential matter also is a violation of confidentiality and privacy rights to parties involved. 
Information is completely falsified with the intent to do harm to the parties involved, Further solidifies the complaint filed with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  in regards to unfair and unjust treatment. Evaluation of furnishing an invalid debt facilitated with complete malicious intent causing adverse actions in experiencing denial of new credits, cancellation of finance account to receive payment for earnings from employment further causing inability to work and earn a living wage. Adversely affecting prospective promotional opportunities and denial of further employment. 
Increasing unfavorable change in terms with existing accounts terms due to increased false debt. Denial of insurance policy. Debt to income Ratio falsely perceived and diminishes ability to purchasing permanent housing. 
I believe that these inaccuracies in my credit report are in violation of several laws, including 15 U.S. Code 1692 ( b ), 15 U.S. Code 1681c, 15 U.S. Code 1681i7, and 15 U.S. Code 1681i5. Violating XXXX XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to help rectify. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to complications Consumer Files Order to Show Cause with XXXX XXXX XXXX upon release from the XXXX providing XXXX records. Consumer Request to address laywer due to XXXX application XXXX XXXX XXXX and now eligible to cover XXXX months backed rent XX/XX/XXXX. 
Judge orders readmission on the Calendar to XX/XX/XXXX Original Creditor XXXX XXXX waives XXXX XXXX. Previously waiving HUD XXXX XXXX XXXX months of funds covered. After being granted XXXX  months due to a wait in repairs by landlord back on XX/XX/XXXX during HUDS XXXX inspection. Landlord needed to repair to be able to pass inspection, After acquiring funds XXXX denies wanting to accepting XXXX months from HUD XXXX XXXX after being awarded XXXX XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX waives XXXX XXXX as well as XXXX XXXX  funds available. Judge states they can not force landlord to take funds and denies order to stay but grants time to stay until XX/XX/XXXX. 
Consumer vacates apartment on XXXXXX/XX/XXXX. Relocates with funds from XXXX XXXX to relocate. No one at residence when XXXX is ordered by XXXX, No one served eviction orders to leave. XXXX XXXX said XXXX took place. 
During this time no new stipulation is enforced. Stipulation states if XXXX defendants leave owing no debt. No XXXX on record. Leave with clean slate is stated to lawyer and by judge. 
XXXX XXXX XXXX XXXX XXXX located out of state. Provides a XXXX letter at wrong address ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer contacts XXXX via phone stating no knowledge of third party after litigation and to cease inquiring on a debt that is not owed and no contract established by consumer and third party XXXX XXXX XXXX XX/XX/XXXX Consumer notified via credit alerts by credit bureaus of collection. Consumer files dispute with all bureaus of the validity of collection account. XX/XX/XXXX Disputes via Equifax, XXXX and XXXX XXXX Removes account XXXX States account verified. No process of the attempts to verify debt. Needs to have CRA on dispute process. Consumer askes to re investigate. 
Equifax states account follows FCRA requirements following dispute account verified.