Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
O EQUIFAX CREDIT BUREAU. 
FINAL WARNING TO DELETE XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX FROM MY CREDIT REPORT OR FACE LEGAL ACTION It's been almost a year since I have been disputing with Equifax that a XXXX XXXX XXXXXXXX account was reported incorrectly on my credit report. I cited incorrect, incomplete and missing payment information but each time they would send back a response stating that they had contacted the furnisher of the information and they had verified the information as been reported accurately and this was false. The Fair credit reporting act clearly states that all the information on a persons credit report should be 100 percent accurate. For months and with numerous disputes sent in and numerous FCRA violations committed by Equifax and notifying them of these violations and informing them that due to these violations the FCRA requires them to delete such an account from my credit report they have failed to do so. 
SOME OF THE VIOLATIONS THAT EQUIFAX HAS PERPETRATED AGAINST ME ARE AS FOLLOWS : Failure to provide a method of verification requested and almost one year has passed since they got that request. 
Re- aged the XXXX XXXX  XXXX account 3 times. I filed complaints through the CFPB and these were ignored by Equifax. 
Missing Account and payment information Inaccurate payment account information. The last payment on this account was not made on XX/XX/XXXX as they claim. Had they contacted XXXX XXXX XXXX then XXXX  XXXX XXXX would have given them the correct payment date. 
Equifax sent me a credit report for months stating that the XXXX XXXXXXXX XXXX account went into a charged off status in XX/XX/XXXX and that was false. I disputed this on several occasions and on several occasions they sent me reports stating that the furnisher of the information has verified the information has been reported accurately. That was not true as I got a letter from XXXX XXXX XXXXXXXX stating what they were reporting to the credit bureau. I continued to dispute the account saying that there was incorrect payment and account information. They claim that they investigated the matter and now the furnisher of the data was reporting that the account went into a charged off state in XX/XX/XXXX. How can it be that the furnisher of the data is giving two different charge off dates? It is either the furnisher of the data has incorrect records or the credit bureau did not contact XXXX XXXX XXXX. I strongly believe that the credit bureau did not contact XXXX  XXXX XXXX. 

I disputed with XXXX  XXXX XXXX that I ever had an account in a charged off status with them. They sent me a letter and I have included an excerpt from that letter ( kindly see file titled XXXX ). It is very clear that the charge off date listed on the letter from XXXX XXXXXXXX XXXX does not match the charged off date listed on the credit report. If Equifax had really contacted XXXX XXXX XXXX then both would have the same charge off dates listed. So, Equifax is claiming that XXXX XXXX XXXX told them that the account went into a charged off status in XX/XX/XXXX and XXXX  XXXX XXXX is saying that is not so. 
IT IS ILLEGAL FOR A CREDIT BUREAU TO NOT INVESTIGATE A DISPUTE AND THEN PLACE ANYTHING THEY WANT ON YOUR CREDIT REPORT AND WHAT IS DISGUSTING IS THAT THEY SEND YOU A LETTER STATING THE ACCOUNT IS REPORTING ACCURATELY ON YOUR CREDIT REPORT AND THEY WON'T BE CONDUCTING ANY FURTHER INVESTIGATIONS INTO THE MATTER. When the matter is reported inaccurately on your credit report. 

7.Equifax also violated my rights under the Fair Credit Reporting Act Section 611 ( c ) which clearly states : Section 611 ( c ) of the FCRA provides XXXX " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' Equifax has refused to place on my credit report that I have disputed and is currently disputing the accuracy of the XXXX  XXXX XXXX account that has been reported on my credit report. 

Equifax has violated my rights so many times and have refused to provide financial compensation for violating my rights under the Fair Credit reporting act and have refused to delete XXXX  XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation