Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX a Fraud Alert was issued by Equifax. On XX/XX/XXXX XXXX XXXX was allowed to gain impermissible access to my Equifax Credit Profile and fraudulently manufacture falsified dates of default. In XX/XX/XXXX XXXX XXXX  was included in my XXXX  XXXX Bankruptcy. In XX/XX/XXXX Bankruptcy was discharged. XXXX XXXX  has failed to abide by Federal Bankruptcy Laws by way of fraudulent claims and misrepresentation after bankruptcy proceedings. Equifax has failed to protect consumer from inaccurate furnishings and allowed Creditors access despite ACTIVE FRAUD Alert. Below please find evidence that shows payments issued and posted to XXXX XXXX Attached please find evidence that shows XXXX XXXX  has fraudulently furnished. 


XXXX XXXX-Dispute Reinvestigation Requested Borrower does NOT OWE XXXX XXXX  NOR NOR WAS THE DEBT CHARGED-OFF XXXX XXXX is required to Furnish Accurately - Discharged through Bankruptcy XXXX  XXXX. -Paid, Closed/Never late., Delete Highest Balance and CLOSEDACCOUNT Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Loan Responsibility Individual Date opened : XX/XX/XXXX Date Closed : Consumer Disputes : XX/XX/XXXX Change To : XX/XX/XXXX {$1600.00} was paid on-time in full under renegotiated terms. On XX/XX/XXXX ; Renewed contract commenced ; On XX/XX/XXXX ; XXXX XXXX dispensed Final payment to XXXX XXXX and Account deemed Closed and Satisfactorily Settled XXXX XXXX XXXX XXXX posted final payment. Reliant Payment Tracking : # XXXX ( Verified Original Statement Attached and Copy Below ) XXXX XXXX XXXX XXXXXXXX Check {$50.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX Status updated : XX/XX/XXXX - Consumer Disputes : Change to : XX/XX/XXXX Discharged and Included in XXXX  XXXX Bankruptcy Debt Discharged on XX/XX/XXXX Borrower does NOT OWE SETTLED DISCHARGED DEBT {$440.00} Account Status : Consumer Disputes : Charge-Collection Change To : Unknown Status updated- Paid in settlement. {$2.00}, XXXX written off : DELETE - The highest amount owed on an account to date. - Change To : Current Consumer Disputes Change To : Discharged through Bankruptcy XXXX  XXXX. Paid, Never late. CLOSED Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest Bal. : Consumer Disputes- Unknown Discharged and Included in XXXX  XXXX Bankruptcy Debt Discharged on XX/XX/XXXX Borrower does NOT OWE DISCHARGED DEBT Terms- Remarks : Consumer Disputes - Charged off as bad debt Purchased by another lender -DELETE Remarks of Deficit Reduction Change To : Discharged through Bankruptcy XXXX  XXXX. Paid, Closed/Never late. Or Unknown

Company response to consumer: Closed with explanation