TO : CFPBFrom : XXXX XXXX : XXXX Reporting and EquifaxThank you not only for your help on previous matters but, the sincere heartfelt participation and effort of your group has made on my family 's behalf. 
Unfortunately, This is likely my last correspondence concerning this matter, frankly I just give up. 
For those of us who played by the rules and watched our lives be destroyed by unscrupulous servicers XXXX, we appreciate you. It would be great to get my credit rating back where it was and receive lower interest rates, cheaper insurance and credit cards, maybe a decent student loan. The XXXX settlement simply was n't and will never be enough. My bankruptcy was filed XXXX XXXX transferred in to XXXX, never reflecting the correct reporting as required on FCRA, it 's been a circus since then. 
I attached XXXX things, the Equifax reporting I just received in the mail and the actual transfer letter from XXXX XXXX. It 's not a XXXX XXXX issue, it 's an Equifax issue. No need to go back XXXX. 
I only have a XXXX education but, I can certainly read the Account History Status Code Descriptions. 
A-Labeled XXXX thru XXXX to reflect XXXX to a 149 days past due. Please read their " Account History with Status Codes '', does it not have the numbers XXXX thru XXXX being reported? 
B- Above it, it states " STATUS '' 60-89 days past due. 
C-Above that it states ( XXXX columns of from the left ) " DATE OF LAST PAYMENT '' XXXX, that is Equifax just not being serious, they transferred it without receiving a last payment. XXXX See transfer disclosure- ignore writings, that was XXXX BK Dept info ). If Equifax is counting the Check XXXX wrote to buy the loan as last payment, then every time a loan is transferred the cycle would start over. I believe FCRA intended for the last payment made be from the consumer. 
The date of last payment is important, under FCRA it 's 7 years to delete this line item. If they just make this up, my family is harmedI can only supply the proof, the rest is up to them. The entire reporting of the XXXX XXXX is to be deleted per FCRAXXXX