Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/XXXX I submitted complaint investigation request # XXXX through CFPB portal that EQUIFAX was reporting my XXXX XXXX CREDIT CARD account # XXXX incorrectly. I will attach a print out of all three credit bureaus report for you to see needed information. Today I recieved EQUIFAX investigative response which I will also add to attachments. You can see they are CLEARLY PLAIN AS DAY VIOLATING MY RIGHTS and not doing ANY WORK ON A FAIR AND PROPER INVESTIAGTION WHATSOEVER!!! First of all as stated in the original report this account is being reported differently to Two out of the THREE CREDIT BUREAUS, so it is CLEARLY INCORRECT INFORMATION!! Also as stated I in the original dispute I had made a payment on the Credit Card under the CARES ACT modification law during COVID 19 which REQUIRES THE CC COMPANY TO MAKE MODIFICATIONS and show that I am CURRENT ON PAYMENTS towards my account when we have an AGREEMENT made during said payment resulting in VIOLATION NUMBER TWO! Also, EQUIFAX hasnt done any sort of REAL PROPER and FAIR INVESTIGATION violation number THREE!! They are SO BOLD as to state right in the first few lines that the way they investigated was to contact the original company in other words XXXX XXXX CREDIT CARD CREDITOR THESELVES!! Then they go on to state that NOT only were these inaccuracies among the three reporting agencies ACCURATE but that ALSO the company XXXX XXXX  isnt currently reporting any information to my EQUIFAX CREDIT FILE!!! The amount of violations EQUIFAX is making on my behalf is outrageous! They are VIOLATING MY RIGHTS under 15 US C 1681 Section 603 ( 3 ) ( E ) States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. OBTAINED DIRECTLY FROM A CREDITOR!!! seeking out THE ORIGINAL CREDITOR and also violations my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. by not reporting my information correctly!! And lastly but perhaps most importantly they are violating my rights under THE CARES ACT which states CARES ACT IMPACTS CREDIT REPORTING Under the CARES Act, you can make an agreement with your lender to skip a payment, make a partial payment, or set up some other arrangement and be considered current, so long as you meet the terms of the agreement. If an agreement is made and an account is already delinquent, that status will be lifted once your account or loan is made current. If you bring your account current, the creditor must report you as such. These requirements apply to agreements made between XX/XX/XXXX, and 120 days following XX/XX/XXXX, or 120 days after the national emergency ends. You can see they this account has been updated and reporting to XXXX CORRECTLY!! I demand for EQUIFAX to do the same!! 
This is my last and final time disputing this before I will be taking LEGAL ACTION AGAINST EQUIFAX for violating my rights!!

Company response to consumer: Closed with explanation