Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
**ATTN** this is not a claim for identity theft I do not want any identity verification documents submitted for this. Any claims of fraud or solely for trade to Equifax and XXXX XXXX XXXX NOTICE : COMPLIANCE DEPARTMENTS Pursuant to 15 USC 1681 E ( B ) & 15 USC 1681 ( 5 ), EQUIFAX and company XXXX XXXX XXXX have infringed on my rights ; by failing to report and or failure to remove inaccurate or unverified information after investigation is completed. In the reference to the above matters, to further, I would like to establish that over a 6 year period against statues, rules, and regulations, XXXX XXXX supplied, and EQUIFAX has continued to report false accruing balances of XXXX dollars on a month to month basis. This alleged account was brought to EQUIFAX as a charged off and closed account. When an account is charged off it is then closed to any future balance activity ; being that the company has written this off as debt to the IRS and received payment from said charge-off. I never received a 1099c for said alleged charge off. Nor have I yet to receive verification from either company of a contract engaging services with or for a legal documentation showing proof of any consumer-relationship with XXXX XXXX or reasoning and documentation for an authorized or undisclosed inclusion of a deferment for payment code XXXX. This goes against standards, regulations, and laws and sound reasoning should conclude that this is abusive and unlawful and goes against the FDCPA and REGULATION F, which prohibit the use of false, deceptive, or misleading representations. Section 623 of the Fair Credit Reporting Act ( FCRA ) outlines the responsibilities of " furnishers of information, '' which are entities that provide consumer data to credit reporting agencies ( CRAs ), essentially requiring them to ensure the accuracy of the information they submit and to investigate any consumer disputes regarding the information provided. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. So with the concise information that a charged off account is closed to any and all future charges, that alone sets the tone for malicious activity and negligence EQUIFAX has shown for the continued reporting of accruing balances over the period of more than 81 months, after being alerted to this over 36 months ago. As well as the further continued reporting and selection for false reporting by the continued reopening and re closing of said alleged account ; to the detriment of my credit report and scores, each time, with today being the XXXX, I go from over 5 yrs of no late payments to in order, from no late payment to XXXX. XXXX, to XXXX, XXXX, to today 26 late payments. This is further infringement of my rights. And have caused me tremendous injury and devastation to my creditworthiness, scores, as well as business and personal gains and ventures. LAST BUT NOT LIMITED TO I WANT TO INCLUDE AND ALSO DEMAND VERIFICATION BY THE INITIAL CHARGE OFF SUBMISSION DOCUMENTATION AS WELL AS SUBSEQUENT CHARGE OFF DOCUMENTATION FOR THE CONTINUED ADDITION OF DIFFERENT AND INCREASING CHARGED OFF BALANCES. AND DEFERMENT FOR PAYMENT AGREEMENT BETWEEN CONSUMER AND SUBMITTING COMPANY WITH WET SIGNATURES AND INCLUSIVE TERMS AND AWARENESS TO ADDITIONAL BALANCES BEING ADDED WHEN OR IF ACCOUNT WAS CLOSED FOR NON PAYMENT OR OTHERWISE. AGAIN I DEMAND THAT IF THESE CONDITIONS AS BACKED BY FCRA, FDCPA, AND FTC CAN NOT BE MET AND FURTHERED THEN THIS ACCOUNT MUST BE DELETED, REMOVED, AND NEW INFORMATION SUBMITTED TO ALL AFFECTED PARTIES.

Company response to consumer: Closed with explanation