Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

Based on the following case law, child support accounts are not credit transactions and should be treated as judgments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Case : No. XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Court : XXXXXXXX XXXX XXXXXXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX al XXXX Case : XXXX C XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX These cases indicate that child support accounts should not be reported as credit transactions. According to these rulings, unless advised otherwise, Equifax must comply with this legal interpretation. 


Equifax has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, XXXX allows collection purposes only under specific conditions : 1. **Court Order** : You must have a court order authorizing a consumer reporting agency to provide a consumer report. 
XXXX. **Consumer Authorization** : Alternatively, you need written authorization from the debtor to obtain a consumer report. 
XXXX. **Credit Transaction** : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. 

Given that Equifax has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : - **Account Name** : DEPT OF JUSTICE XXXX XXXX XXXX XXXXAccount Numbers** : # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act with the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation