Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax XXXX XXXX XXXX GA, XXXX XX/XX/2016 Dear Equifax XXXX, Please provide evidence the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging accounts information. 

VALIDATION HAS BEEN REQUESTED SEVERAL TIMES, AND AS OF TODAY 'S DATE XX/XX/2016 IT HAS NOT BEEN PROVIDED! 

REMOVE THIS INVALIDATED ACCOUNTS INFORMATION LISTED BELOW : VALIDATE THIS ACCOUNT! 
BANKRUPTCY CASE ID # XXXX I HAVE PERSONALLY CONTACTED THE US BKPT COURT -XXXX XXXX AND THEY HAVE RESPONDED TO ME WITH A WRITTEN LETTER, WHICH CLEARLY STATES THAT THEY DO NOT CORRESPOND WITH THE CREDIT REPORTING AGENCY 'S. I AM NOW DEMANDING THAT EQUIFAX PROVIDE ME WITH THE LEGAL COMPETENT PROOF THAT WOULD SHOW THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN IN FACT IT IS NOT! THIS IS A CLEAR CASE OF INVALIDATED INFORMATION AND AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT YOU ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS, BY CONTINUING TO REPORT THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN THERE HAS BEEN NO PROVIDED PROOF THAT IT IS! 

VALIDATE THIS ACCOUNT ENHANCED XXXX ACCOUNT NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS ALLEGED ACCOUNT INFORMATION IS STILL BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT? AS I HAVE PERSONALLY CONTACTED ENHANCED XXXX, MYSELF AND HAVE BEEN UNSUCCESSFUL IN GETTING THEM TO LEGALLY RESPOND BACK TO ME IN REGARDS TO MY VALIDATION REQUEST! AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT LAWS, IT IS ALSO A KNOWINGLY AND DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS FOR EQUIFAX TO CONTINUE TO REPORT THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT IT IS. I AM NOW DEMANDING THAT YOU EQUIFAX PROVIDE ME WITH THE LEGAL COMPETENT PROOF THAT WOULD SHOW THAT THIS ALLEGED ACCOUNTS INFORMATION IS ACCURATE WHEN IN FACT IT IS NOT! THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING YOU EQUIFAX TO COMPLETELY REMOVE THIS INVALIDATED, INACCURATE ACCOUNTS INFORMATION AS SOON AS POSSIBLE! 

VALIDATE THIS ACCOUNT OCWEN LOAN SERVICING LLC. 
ACCOUNT NUMBER : XXXX I HAVE REQUESTED THAT THE INACCURATE ACCOUNTS INFORMATION BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT, AS I HAVE NEVER FILED FOR BANKRUPTCY ON XXXX XXXX SERVICING, XXXX XXXX I WOULD LIKE TO KNOW WHY EQUIFAX XXXX REPORTING THAT I HAVE FILED BANKRUPTCY CHAPTER XXXX ON THIS ACCOUNT? THIS INACCURATE INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT! REMOVE THIS INACCURATE INFORMATION! 

PAST THE XXXX YEAR TIME FRAME, REMOVE THIS ACCOUNT! 
REMOVE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS ACCOUNT IS CONTINUING TO BE ILLEGALLY DISPLAYED ON MY CREDIT REPORT? THIS ACCOUNT IS NOW LEGALLY PAST THE 7 YEAR TIME FRAME FOR THIS ACCOUNT TO CONTINUE TO BE DISPLAYED ON MY PERSONAL CREDIT REPORT. 

AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT YOU ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS BY CONTINUING TO REPORT THESE INVALIDATED ACCOUNTS INFORMATION ON MY PERSONAL CREDIT REPORT. AS I WOULD PREFER NOT TO LITIGATE, PLEASE BE ADVISED THAT I WILL PROTECT EACH AND EVERY XXXX OF MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT LAWS! 

IT WOULD BE ADVISABLE FOR EQUIFAX TO COMPLETELY REMOVE THESE INVALIDATED ACCOUNTS INFORMATION AS SOON AS POSSIBLE. 



CONFIRMATION NUMBER : XXXX

Company response to consumer: Closed with explanation