Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed disputes with all three credit bureaus repeatedly since XXXX to confirm the underlying debts of various student loans that have been traded between different owners and collections and have not once received ANY documentation that whats on the reports are any loans I actually took out. All my student loans have been delinquent without a single paycheck since XXXX because I have been unable to determine from any credit bureau or debt collector if they have any legal rights to payment. No private loans I ever took out have been collectible for almost six years but they keep wholesale fabricating payment history over and over again to make the debt appear legitimate. My credit score has XXXX  for over a decade. I am turning XXXX this year trying to buy my first house and its impossible solely because I can not get them to remove this fake debt. I have NO IDEA what collection agency claims to have what because it switches hands practically annually because again its not valid debt. I have NO other debt to my name and have had no available credit. This situation has caused incredible financial hardship for everything from renting to jobs to background checks to vehicle purchases. The department of education particularly is lending a hand to my nightmare as its been well over a decade since we spoke and those loans come off and on never in the same amounts and it appears possible they bought bad debt in my name no questions?!? Ive been harassed by debt collector calls my entire adult working life as has every member of my family. The 8 years my mom had XXXX before XXXX in XXXX she would regularly call me in hysterics from debt collectors threatening to take her exempt homestead out from under her. Collection agencies that some no longer exist for malfeasance but still sold this mystical grey debt before disappearing from earth. I have suffered so badly from this pushed into poverty that I became XXXX and unable to work full time for most of the decade. I applied to the SSA for SSXXXXI survivor benefits for that period to have something to hand to Dept of Ed to solve this, now Im having to appeal that denial. If Dept of Ed and these scam artist collection companies just call it quits, I can finally have a shot at possibly one day retiring. As is, I wasnt able to have children, get married, buy a home, get gainfully employed until I reached a decade of experience limping along part time. My life is ruined. I will be an indentured servant to the grave to people I never contracted with who LIE, harass, cheat, and steal unless something is done about this. I am a licensed lawyer and even I havent been able to untangle this web of lies and fraud in all this time so this is my last resort. My last prayer that I can stop being traded around as an asset with the only answer Ive ever gotten being weve confirmed the debt to our satisfaction with literally nothing further. Just look at my credit report changes from the last five years alone, its HARASSING and nonsensical and full of nonsense made up completely wholesale. If I call any of these people I will never sleep soundly again, they blow up my phone from hundreds of numbers from before dawn to late at night every day of the week fishing as it is. I am powerless to even sue for injunction because multiple companies have just traded the debt and who holds the dept of Ed accountable for buying private debt without my permission converting it to a forever debt with administrative garnishment? My mom died brutally of XXXX without a lick of mercy from anyone and I have a right to compensation for that brutality. I am willing to settle for this nonsense coming to an end, coming off my credit reports forever, and letting me move on with my life. The one company that ever sued never bothered to serve me and went defunct from court cases for not having a shred of evidence of any debt. I just want a shot at a normal life as a public servant and person whos contributed hundreds of hours of pro bono legal and volunteer work even when I myself was skipping meals. I dont deserve to be terrorized by debt that nobody has ever proven is real. I have never been evicted or missed a car payment and have paid all my bills. At what point am I worthy to be free of this? Is 13 years not enough suffering and torture? Is poverty and having no assets to show for myself enough? What is enough? Please help.

Company response to consumer: Closed with explanation