Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX XXXX no longer owns this account due to the account being sold to XXXX XXXX. XXXX XXXX agreed to closed the account and stopped collections on the account. Letter is attached. However, the tradeline is still reporting on the credit report. This inaccurate reporting is a violation of FCRA. 

My potential legal claims pursuant to the FCRA include the following : ( 1 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) failure to conduct a reasonable investigation on the alleged tradeline after receiving notice of the consumer dispute ; ( 2 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) failing to review all relevant information forwarded to you by the consumer reporting agencies ; ( 3 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) failure to report the accurate information to consumer reporting agencies and failing to report the results of the reinvestigation; ( 4 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) failing to report accurate information to the consumer reporting agencies and continuing to report information that was false, inaccurate and unverifiable.

( 5 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) failing to have a procedure in your system with the consumer reporting agencies to ( i ) modify the inaccurate information in your system, ( ii ) delete the inaccurate or unverifiable, erroneous information, or ( iii ) block the re-reporting of inaccurate or unverifiable information. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Plaintiff obtained a copy of her consumer report and discovered incomplete, inaccurate, false information furnished by the defendant XXXX XXXX XXXX  XXXX. Defendant XXXX XXXX XXXX  XXXX furnished one trade line, Account No. XXXX, in the amount of {$13000.00}. 
On XX/XX/XXXX, the defendant XXXX XXXX XXXX  XXXX charged off the above account as closed and a charge off in the amount of {$13000.00}. On XX/XX/XXXX, the defendant XXXX XXXX XXXX  XXXX sold/transferred the above account to XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX flagged above account as collections. 
On XX/XX/XXXX and XX/XX/XXXX, Plaintiff contacted Defendant XXXX XXXX XXXX  XXXX via certified mail requesting that debt to be verified by the defendant XXXX XXXX XXXX  XXXX providing a detailed and itemized statement of ALL activity to this account, including the contract the Plaintiff must have allegedly signed to bind the Plaintiff to this debt, The photo identification the Plaintiff must have provided at the time of starting services with the defendant XXXX XXXX XXXX  XXXX in order for the defendant XXXX XXXX XXXX  XXXX to assure that this was not an attempt of someone else to commit a fraud the Plaintiff, an itemized statement breaking down the balance with the defendant XXXX XXXX XXXX  XXXX claim the Plaintiff owe, and any other documentation the defendant XXXX XXXX XXXX  XXXX must have in order to truthfully make a notarized statement on the defendant XXXX XXXX XXXX  XXXX letterhead, attesting to the defendant XXXX XXXX XXXX  XXXX compliance of the FCBA. 
XXXX XXXX XXXX  XXXX sent a response to plaintiff, stating that the loan was sold to XXXX XXXX XXXX XXXX XXXX and that correspondence regarding the tradeline should be sent to XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, Plaintiff contacted XXXX XXXX XXXX XXXX XXXX via certified mail requesting that debt to be validated by XXXX XXXX XXXX XXXX XXXX providing a complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, date of last activity, Plaintiffs full, complete and correct social security number that may help to identify the Plaintiff as the correct person the defendant XXXX XXXX XXXX XXXX XXXX are trying to collect from, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor, the obligation between the defendant XXXX XXXX XXXX XXXX XXXX and the Plaintiff that allows the defendant XXXX XXXX XXXX XXXX XXXX to collect on the alleged debt and any transactions between the defendant XXXX XXXX XXXX XXXX XXXX that binds the Plaintiff to an agreement to pay the defendant XXXX XXXX XXXX XXXX XXXX any money that the defendant XXXX XXXX XXXX XXXX XXXX claim the Plaintiff owe, proof of photo identification ( i.e., driver 's license, state identification card, or other government-issued identification cards ) that was presented to the original creditor at the time of incurring this debt, and letter of sale or assignment from the original creditor to XXXX XXXX XXXX XXXX XXXX XXXX ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) Defendant XXXX XXXX XXXX  XXXX failed to verify debt at the Plaintiff request- FDCPA violation, continued to report & communicate this disputed debt to the CRA- FCRA violation & FDCPA violation ( s ) 15 usc 1681b12, 15 usc 1692c. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX acknowledged receipt of Plaintiffs communication concerning the referenced account. XXXX XXXX XXXX XXXX XXXX informed Plaintiff that the file was closed and that XXXX XXXX XXXX XXXX XXXX terminated collection action. 
Plaintiff disputed the tradeline with Defendants Equifax, and XXXX by sending written disputes on the following dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Plaintiff informed all defendants that the following information was inaccurate and needed to be investigated ; account status, last activity date, account opened date. The plaintiff requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing the Plaintiffs signature. 
Upon information and belief, Defendants Equifax and XXXX sent a dispute to the defendant XXXX XXXX XXXX  XXXX providing all relevant disputed information. 
Upon information and belief, defendant XXXX XXXX XXXX  XXXX verified to the Defendants Equifax and XXXX that the tradeline was accurate.