Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, as well as accounts that must be deleted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I successfully proved the debt was not mine per conditional acceptance as well as opt-out notification UCC, Administrative Process and the fact court case XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX was dismissed. I proved the debt is not mine. Yet the inaccurate reporting against my consumer report remains and was even updated XX/XX/XXXX and verified XX/XX/XXXX ; yet it is fraudulent debt that was dismissed in court XX/XX/XXXX. Under FDCPA Section 809 ( b ), you are NOT allowed to purse collection activity until the debt is validated. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly removed in its entirety, or the alleged accounts are to be completely deleted. XXXX XXXX, XXXX XXXX XXXX XXXX, is fraudulently reporting derogatory accounts against my credit report causing extreme harm to me and my creditworthiness, and in violation of several consumer protection laws. Not only is it illegal for a 3rd party collection agency to collect a debt that never originated. The information reported is 100 % false! - inaccurate. I never gave my written consent for any debt and I DONT NOT OWE ANYTHING! I am demanding that this account be updated to pay as agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted Privacy Act and Regulation F COMPLIACE regulations. I demand that these above-mentioned derogatory items be permanently removed from my reports on all 3 CRAs. The goal with my credit profile should be maximum possible accuracy. What is actually fair and true. None of this is 100 % accurate, it is 100 % complete fraud. This has caused me to experience tremendous damage, it's mentally XXXX. The inability to get a loan, the inability to get a high limit credit card or even a mortgage. If I am offered anything I suffer with the highest interest rates, high down payments, and no grace periods. 
I AM a single Mother of XXXX ; this grievance on my credit report has been causing me a great deal of stress. I followed UCC Administrative processes and even got court case dismissal and the fabrication consisted of fraudulently reporting debt I do not owe on all 3 major CFRs. I demand to be compensated for each violation on my credit report in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681s ( a ) 2 ( a ) section 604 ( a ) on all 3 CRAs. It also states a consumer reporting agency CAN NOT furnish an account. Thank you in advance. I will also be filing a separate complaint on Equifax as they have not removed the inaccuracy when I reported to the agency nor did they remove inaccurate-unmailable, mailing addresses and inaccurate names, as well as inaccurate inquiries I did not authorize on my report. 

Kindest Regards, XXXX

Company response to consumer: Closed with explanation