Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: NV
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:
I have been disputing with XXXX XXXX XXXX ( XXXX  ) and Equifax regarding wrong information and information in violation of 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies, by reporting inaccurate / incomplete information on my consumer report. " The Bureaus '' continuously report errors after I send documents to support my dispute -which continues to discredit my reputation and character. Here, I have included information which clearly states the Explanation of Calculation of Surplus or Deficiency ( the final sale numbers ) ( EOS ) ; and the balance due at the time of sale. You will see that it is very different from what is being reported ; therefore, it is inaccurate, erroneous, false information. Additionally, the dates of first delinquency has been reported wrong/different numerous times ; the actual amount paid does not match the EOS and the date of last payment is not correct. The contact information is wrong.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly - ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

Additionally, under 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], it states the following : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 My disputes are numerous, but in no way frivolous. I will be forced to look into legal options, to further resolve this situation, if it is not resolved here.

Company response to consumer: Closed with explanation