Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Complaint:
I have disputed the facts on the accounts that are completely violating my rights under FCRA Last disputes filed are as follows XXXX Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX I am copying and pasting my next letter to them on here minus personal info. Ive spent countless hours and months fighting and disputing these accounts. 

First dispute was for the age of the account and date of first delinquency the next XXXX were for reaging the account! 

CASE # XXXX XXXX XXXX # XXXX XXXX XXXX I am making you aware of a situation and following it up with some laws that back up what I'm saying. I have disputed these inaccurate statements that Missouri child support enforcement is reporting to my credit file with XXXX and equifax. I also have a recorded conversation with a state enforcement worker who tells me that the FCRA laws do not affect child support. Your reporting first delinquency dates that are false. 
I AM OFFICIALLY ACCUSING YOU OF REAGING A DEBT. 
What's really unfair is that I have been making payments and doing the right thing for over XXXX years and have paid what is agreed or whatever else. Yet after XXXX attempts to get you to do an honest investigation into this situation I have filed my final dispute the same day I will be mailing this out. I expect someone to be fair and look into this and have this information removed from my credit file immediately. The original date of delinquency on these accounts are actually from XXXX or earlier making these accounts almost XXXX XXXX XXXX. 
Re-aging a debt is the act of reporting an inaccurate date of first delinquency to a credit reporting agency, such as Equifax, XXXX, or XXXX. Re-aging a debt may or may not be illegal depending on whether the consumer consents to the date change and the creditors intent. 
Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, Equifax, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 
MO FAMILY SUPPORT DIVISION XXXX XXXXXXXX XXXX XXXXXXXX XXXX MO XXXX MISSOURI LAW ON THE STATUTE OF LIMITATIONS IS XXXX YEARS AND 10 YEARS ON A JUDGMENT Also with these accounts your reporting several other things wrong or of violations in the FRCA rules THE BALANCES OWED IS WRONG YOU ARE NOT REPORTING THE PAYMENTS IM MAKING Your reporting this as a closed account with open balances Your reporting two different things to XXXX and equifax with showing payment history ok when there was no payment and co when i have been making payments on it or no comment or remark at all for XXXX and XXXX MO FAMILY SUPPORT XXXX XXXX XXXX Equifax Account # : - XXXX XXXX Account Type : - INSTALLMENT Open Account Account Type - Detail : - Family Support Open Account XXXX Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$52000.00} {$52000.00} No. of Months ( terms ) : - 1 Month - High Credit : - - {$0.00} Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department - Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : - COLLECTION ACCOUNT Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month 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 I HAVE EXAUSTED ALL AVENUES THAT ARE POSSIBLE TO REMEDY THIS SITUATION. 
THIS IS MY FOURTH ATTEMPT TO RECTIFY THIS SITUATION WHICH I FEEL I HAVE WENT IGNORED. THIS LETTER WILL BE MAILED ALONG WITH ALL SUPPORTING DOCUMENTATION TO THE FOLLOWING PEOPLE OR BUSINESSES Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX MO XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX MO XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation