Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: AZ
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:
This complaint is being filed against Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX for violation In accordance with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general. Subject to subsection ( f ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( XXXX ) CONSIDERATION OF CONSUMER INFORMATION In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information. 
At this time all supporting documentation was submitted along with proof of address and social security number was attached identifying me as the person disputing ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The purpose for my complaint is that Equifax was sent several letters to rectify the problem regarding inaccuracies on my consumer file. I sent my XXXX dispute to Equifax on XXXX XXXX Certified Mail XXXX, Certified Mail received on XX/XX/XXXX, signed by XXXX XXXX, Certified Mail XXXX received on XX/XX/XXXX, signed by XXXX XXXX and Certified Mail XXXX received XX/XX/XXXX, signed by XXXX XXXX. XXXX Certified Mail sent XX/XX/XXXX, and it was received on XX/XX/XXXX, signed by XXXX XXXX. My disputes were returned to me stating that these accounts had been VERIFIED AS ACCURATE, My XXXX request in the form of a dispute was sent to Equifax requesting re-investigation on XX/XX/XXXX, sent Certified Mail XXXX, this letter was received on XX/XX/XXXX, signed by XXXX XXXX. My XXXX dispute was returned to me with the following results. VERIFIED AS ACCURATE, My last and XXXX letter was sent to Equifax XXXX Mail XXXX on XX/XX/XXXX, and Equifax received it on XX/XX/XXXX, it was signed by XXXX XXXX. This letter was asking Equifax for Method of Verification because there is no way this was verified as accurate with all the inconsistencies remaining on my consumer file. Again, this dispute was returned to me VERIFIED AS ACCURATE According to Section 611 ( a ) ( 1 ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
These are the items that were found to be inaccurate, and these are the items I requested that Equifax delete from my consumer file. 

First Saving Acct Acct # XXXX Reason for dispute : This is inaccurate last reported is XX/XX/XXXX for XXXX, and XXXX is XX/XX/XXXX, Equifax has XX/XX/XXXX the date of last payment is inaccurate, XXXX has XX/XX/XXXX AND Equifax has XX/XX/XXXX this is a violation. 

XXXX XXXX  Acct XXXX High credit limit is inaccurate, XXXX has {$2600.00}, XXXX has {$0.00}, and Equifax has {$3400.00} this is a violation. The last payment for XXXX is XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, also The date last active is inaccurate XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX. This is a violation. 

XXXX XXXX XXXX Acct XXXX Inaccurate****Apparently there is a discrepancy between the date last active XXXX has XX/XX/XXXX, XXXX has XXXX and Equifax has XX/XX/XXXX. The last payment is also inaccurate, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX The date reported is inaccurate, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX. The date of last payment is inaccurate XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax XX/XX/XXXX, this is a violation. 
XXXX XXXX XXXX Acct # XXX # # no acct listed on report Inaccurate The date last active for XXXX has XX/XX/XXXX which XXXX re-aging this account. The date last active for XXXX is XX/XX/XXXX and Equifax has XX/XX/XXXX The payment history is showing co for XXXX and OK for Equifax, how is it possible for it to reflect OK and a CO for the same dates, this is a violation. 

XXXX Acct XXXX Inaccurate The last payment date for Equifax is XX/XX/XXXX, there is no payment showing for XXXX and XXXX, the date last active for XXXX is XX/XX/XXXX, and XXXX has XX/XX/XXXX and Equifax is XX/XX/XXXX, this is a violation. 
XXXX XXXX XXXX # XXXX the amount listed on XXXX is {$620.00} and XXXX has the amount of {$620.00}, this is inaccurate, the date last active for XXXX is XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX this a violation. 

XXXX XXXX XXXX XXXX has high credit limit of XXXX, XXXX has XXXX and Equifax XXXX XXXX, XXXX has the past due XXXX XXXX has XXXX and Equifax has XXXX, the date last active XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, there should not be a balance on my account, this was PAID IN FULL. these are all inaccuracies on my credit file, this is a violation. 

XXXX  XXXX Bank Acct # XXXX Inaccurate info listed, The date last active for XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, The last payment for XXXX is XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, this is a violation. 
XXXX XXXX XXXX XXXX Acct # XXXX has inaccurate information, the date last active for XXXX is XX/XX/XXXX and Equifax has XX/XX/XXXX. This is a violation XXXX XXXX Acct # XXXX The date last active for XXXX is XX/XX/XXXX and XXXX has XX/XX/XXXX, Equifax has XX/XX/XXXX this is a violation. 
XXXX XXXX Acct # x XXXX The high credit is inaccurate XXXX has {$620.00}, XXXX has {$0.00}, and Equifax has {$500.00}. credit limit is wrong XXXX has XXXX, XXXX has XXXX and Equifax has XXXX. The date last reported for XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, this is inaccurate. This is a violation. 

XXXX XXXX Acct # XXXX The date last active for XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, the date last paid has XXXX different dates, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX this is inaccurate, and a violation. 
XXXX XXXX  Acct # XXXX XXXX has high credit limit of XXXX, XXXX has XXXX and Equifax XXXX XXXX, XXXX has the past due XXXX XXXX has XXXX and Equifax has XXXX, the date last active XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX, these are all inaccuracies on my credit file, this is a violation.

Company response to consumer: Closed with explanation