Consumer complaint received 2022-02-16
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: Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint:
READ DOCUMENTATION CAREFULLY!!!!!! 

ON XX/XX/XXXX I SUBMITTED A DISPUTE TO XXXX XXXX XXXX XXXX  AND THEY RESPONDED WITH A FINAL RESOLUTION! PLEASE USE THAT DOCUMENTATION AS REFERENCE. 

I HAVE BEEN VIOLATED ON SEVERAL DIFFERENT OCCASION FROM EQUIFAX. ON NUMEROUS OCCASION THEY HAVE STATED THAT THEY HAVE VERIFIED THIS INFORMATION WITH XXXX XXXX. XX/XX/XXXX I RECEIVE A DOCUMENT IN THE MAIL WITH THE RESULTS THEY WERE " PROVIDED '' FOR THE INVESTIGATION. 

MY LAST PAYMENT DATE IS STATED TO BE XXXX XXXX, XXXX BUT XXXX STATED THAT THE LAST PAYMENT DATE IS XX/XX/XXXX AND XXXX STATES THAT IT IS XXXX XXXX, XXXX. THE ORIGINAL CREDITOR ALONG WITH THE OTHER BUREAS ARE REPORTING INACCURATE DATA! FOR THE MONTH OF XX/XX/XXXX IT IS REPORTING AS UNKNOWN FOR REPORTING ( INCOMPLETE INFORMATION ) 15 USC 1681 ( a ) States that I have rights to accuracy and fairness of credit reporting.

15 USC 1692K ( a ) Proves that every damage much be paid for by the debt collector as a result of such failure. Due to lack of resources financially I was targeted through a pandemic. I notified XXXX XXXX that I was in therapy due to lack of concern and I expressed that their actions along with the credit bureaus has caused me to go into deep XXXX. I paid a great amount of money to attend therapy sessions to cope with what was happening. 


15 USC 1681B states that furnishing a consumer report without the consent of consumer is unlawful. The reporting agencies have no consent in regard to my report and have been publicly humiliating me in attempts to collect what is rightfully mine because I am the original creditor. 

15 USC 168 ( A ) ( 2 ) ( B ) Indicates that furnishing an account that was created from a credit card or similar device is also unlawful. XXXX XXXX has been a huge burden on my credit for 3 years now and failed to provide on numerous occasions what is happening and report accurate information to the credit bureaus. Data reported differently every dispute and information was not deleted though proven to be inaccurate 15 USC 1692J A deceptive form to make me believe I owe debt was establish and I am protected by the law stated.

15 USC 1602 ( K ) Presents that a drafting of contract or similar instrument in which the consumer can not adequately understand is illegal. I am not able to understand what took place as I was 18 and unaware of credit and its true meaning and nobody ensured that I was able to read what was presented. I am a first generation American.

15 USC 1692B ( 2 ) It was stated on a recorded line and through paperwork that I owe a debt. The law states that it is a violation to state a consumer owes a debt if they do not owe a debt.

15 USC 1692D ( 5 ) states that I am not to be contacted in regard to a debt in an annoying manner through telephone. I have been contacted many times through my work phone in regard to a debt after I was not told this is an attempt to collect a debt.

I AM DISAPPOINTED IN EQUIFAX AND ITS ILLEGAL PRACTICES!!!

Company response to consumer: Closed with explanation