Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
Equifax, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL. WARNING. 
I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance. 
Despite my previous XXXX ( XXXX ) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

XXXX XXXX XXXX - XXXX You report that XX/XX/XXXX is my payment history but XXXX has XXXX and XXXX has XXXX that is many late payments from the others. You also state that I have made 0 % of this account on time but XXXX states 29 % and XXXX doesn't report the payment history at all. 


XXXX XXXX This is a whole different account number then XXXX has for this account XXXX the date of last activity is different on each bureau XXXX of them being a whole year difference, You report that my payment history is XXXX but XXXX has XXXX and doesn't report a payment history at all because it is a charged off account and XXXX has XXXX. You report that I have only made 84 % percent of payments on time but XXXX has 68 %. XXXX of XXXX you stated I was on time on XXXX, XXXX, XXXX, XXXX and XXXX but XXXX has that they are late payments. 

XXXX XXXX  XXXX XXXX you report XXXX and XXXX of XXXX I was 120 days late XXXX months in a row. Is that possible? 


XXXX XXXX XXXX You have this collection account as an open account when it is a charged off account. in XXXX of XXXX you state that it's a charged off account but the very next month state the payment was on time. Then for the next 8 months it's on time and then right to charged off with not XXXX single late payment leading up to the charge off. 


XXXX XXXX XXXX you report this charged off account as an open account, with several several months going from charged off back to charged off then back to on time. Finally you stated I had only paid 83 % percent where XXXX has no payment history because it's a charged off account and XXXX had already removed the account fully The simple 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. Your failure to delete the disputed accounts in question, that you can not verify after XXXX written requests, is also evidence of your willful disregard of Federal Law. 
Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request. 
The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them. 
You say that you have reinvestigated, and XXXX verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is " parroted '' information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of {$1600.00} ( a ) ( XXXX ) of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief