Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently submitted an online dispute in regards to two collection accounts being reported incorrectly and in violation of the FCRA. 

Account 1 : XXXX XXXX XXXX account number XXXX visible on both Equifax and XXXX reports. 

Account 2 : XXXX XXXX XXXX account number XXXX visible on both Equifax and XXXX reports. 

I submitted documentation for account XXXX showing : XXXX XXXX XXXX had been reporting false information ( balance, status of account ), discrepancies in data across the different credit reporting bureaus ( date account opened, date of account first major delinquency ), showed where the account was CLOSED in XXXX, and finally documentation that I worked with the original creditor and they updated my profile and deleted the account from the credit reporting bureaus. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. XXXXn and Equifax reports showing XXXX XXXX XXXX reported a balance of {$1500.00}, yet the original creditor ( XXXX XXXX XXXX ) reported my highest balance ever as {$1400.00}. 

XXXX. Equifax reports : XXXX XXXX XXXX was reporting an opened date of XXXX/XXXX/XXXX and the Date of Major Delinquency First Reported as XXXX, XXXX XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date of Major Delinquency First as XXXX. While on my XXXX reports, XXXX XXXX XXXX was reporting an open date of XXXX/XXXX/XXXX. Yet, XXXX XXXX XXXX has an open date of XXXX/XXXX/XXXX. The opening date varies from the original creditor as well as on my different reports. This information was verified though. There can not be multiple dates that an account was opened. 

XXXX. XXXX reports showing this account had been closed in XXXX. My XXXX report specifically showed XXXX XXXX : XXXX/XXXX/XXXX. The account still shows under closed accounts on my Equifax report. 

XXXX. XXXX reports : showed the original creditor ( XXXX XXXX XXXX ) had reported a PAY STATUS as ACCOUNT PAID IN FULL ; WAS A CHARGE OFF. 

XXXX. XXXX and Equifax reports showing original creditor XXXX XXXX XXXX XXXX XXXX had deleted the account from the bureaus effective XXXX XXXX. 

I submitted documentation showing that account XXXX has been reporting incorrectly. The documentation shows XXXX XXXX XXXX is reporting false information ( balance, date account opened, date of major delinquency first reported XXXX. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. XXXX and Equifax reports : showing XXXX XXXX XXXX reported a balance of {$630.00}, yet the highest balance ever on the account was {$630.00}. 

2. XXXX and Equifax reports : The original XXXX XXXX XXXX reports the charge off amount as {$300.00}. 

XXXX. Equifax Report : XXXX XXXX XXXX reports the account was opened on XXXX/XXXX/XXXX and they report the Date of Major Delinquency First Reported : XXXX. The original creditor XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date Major Delinquency First Reported : XXXX. XXXX XXXX is reporting an open date of XXXX/XXXX/XXXX on XXXX

Company response to consumer: Closed with explanation