Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called the CFPB the lady told me that I had to file another complaint unfortunately because she had no way of uploading the correct information because the wrong file for evidence uploaded. My XXXX XXXX information was uploaded on the complaint against experience, XXXX and Equifax all three major credit bureaus XXXX XXXX has already removed it and I have a separate complaint for them. So here 's the information for experience in XXXX XXXX XXXX XXXX XXXX XXXX illegally violated my fair crediting act right several times over to where I had to file four different complaints against them because they did four different things to my credit and violated my fair crediting act four different ways The account original creditor was XXXX  XXXX XXXX  XXXX no longer has any information on the account because the account is over 15 years old is from XXXX of XXXX And I sent them a cease and desist in XXXX so the account was closed and removed XXXX XXXX has no understanding or knowledge of how XXXX XXXX  even got a hold to this account so they couldn't give me any information because it was already closed out with them They never sold the debt because they were sent a cest & desist XXXX  XXXX now XXXX XXXX has been contacted several times where I was threatened by the company and told that because I made a complaint or several complaints to the XXXX that they were going to ruin me ruin my credit and every time they actually did they uploaded information to my credit more than six times the month of XXXX where the account is showing a collections and closed at the same time They have uploaded 86 negative remarks to my credit They lied saying that it was sent to a lawyer that I would sued that it was sent to an internal investigation department within the credit card company that's a lie The files are included below I made sure that they were the correct ones to show you that they lied on my credit report so it would stay there saying that the account was open XXXX of XXXX and the account was actually opened XXXX of XXXX... It's over 15 years old They can not collect the debt It should have been removed from my account after 7 years but XXXX  XXXX had already deleted it off back in XXXX XXXX... This company has done this maliciously there are XXXX groups dedicated to this company All you guys have to do is XXXX Go to XXXX and put their name in and it'll pop up This company needs to be banned from the US completely They are breaking the fair crediting act laws left and right This is not okay.. My credit has dropped from a XXXX a XXXX and a XXXX All the way down now to a XXXX .. which has severely hurt me and my personal life... This company has intentionally uploaded 86 negative remarks because I put in complaints to the CFPB every time they uploaded anything illegally to my credit you look at the dates and you will see that this company is a fraud and they intentionally lied and intentionally broke the fair crediting act This account was not open XXXX of XXXX that is a falsehood that is a lie It was open XXXX of XXXX I would like for this information from XXXX XXXX  to be completely deleted from my credit report and I don't want to have to file another complaint against this company but they continue to add different lives to my credit report so every time they upload my credit report and I get an alert I file a complaint with you guys so y'all can see each time they do something different and they lied to you guys and said that they close the account and deleted it off and they didn't and there's the proof below

Company response to consumer: Closed with explanation