Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
violations reported : FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
FCRA USC 1681i ( 7 ) description of investigation FCRA USC 1681i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. 

Dear Equifax : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. 
-This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
Note : As of XX/XX/XXXX CFPB Consumer Financial Protection Bureau has been notified -All items are still being reported across all Credit Bureaus inaccurately. 
- After several attempts I have not received the original documents to verify these items on my report, -Please provide all documentation verifying how these items were verified and investigated for the following listed items or remove all listed items immediately. 
XXXX. DEPT OF ED / XXXX ( {$39000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
1. ) Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account. 
2. ) Date Open/Date Close : This XXXX key informations are not being reported why? 
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported? 
XXXX. ) Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due. 
4. ) Delinquency First Reported : this data is missing 5. ) Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. ( Continued ) ( continued ) 6. ) Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile. 
7. ) Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that. 

2. DEPT OF ED / XXXX ( {$14000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
1. Months Reviewed : Why was this account only reviewed for XXXX  months in and not the complete length of the account.

2. Date Open/Date Close : This two key informations are not being reported why? 
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported? 
3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due. 
4. Delinquency First Reported : this data is missing 5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. 
6. Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile. 
7. Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that. 

3. DEPT OF ED / XXXX ( {$13000.00} ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic.

1. Months Reviewed : Why was this account only reviewed for 35 months in and not the complete length of the account. 
2. Date Open/Date Close : This two key informations are not being reported why? 
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported? 


3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due. 
4. Delinquency First Reported : this data is missing 5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. 
6. Missing data information : All of data is missing XXXX through XX/XX/XXXX Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile. 
7. Missing payments : No payments are being reported, but if I was late I am sure Equifax would report that. 



4. XXXX XXXX ( ) Equifax previously neglected to thoroughly verify/confirm/investigate this item to showcase legally and completely accurate information and not just negative information/data that is causing harm to the consumer. I demand this information be to be confirmed with the original creditor, all missing data to be updated and reported immediately to showcase complete account history from date account was opened. This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. 
1. Months Reviewed : Why was this account only reviewed for 10 months in and not the complete length of the account. 
2. Date Open/Date Close : This two key informations are not being reported why? 
If the true open date was verified by Equifax via the Original Creditor, it would then realize the violation of Collecting and Reporting on an item beyond 7 years or the statute of limitations. When was this account opened? When was this account first reported?

3. Deffered Payment Start Date : this data is missing, it would showcase Deferment began in XXXX yet Equifax is reporting XX/XX/XXXX to be 120 days past due. 
4. Delinquency First Reported : Equifax reports XX/XX/XXXX, yet reports first delinquency as XX/XX/XXXX. How is this possible? Please update report to reflect the correct status for XX/XX/XXXX, also provide data for the year the account originally opened with the original creditor. 

5. Scheduled Payment : This data is not being reported, Equifax neglected to thoroughly verify and report correct data. With deferred payments and payment arrangement is made, these payments are not being reported for the year XXXX XXXX. 
6. Missing data information : All of XXXX Payment History information is missing, XX/XX/XXXX through XX/XX/XXXX data is missing, Equifax neglected to legally report and confirm the accuracy of this data. Data for XXXX XXXX is missing, please update this report with this updated accurate information or delete/remove this account from this credit profile. 

















Dear Equifax : As of XX/XX/XXXX CFPB Consumer Financial Protection Bureau has been notified

Company response to consumer: Closed with explanation