Consumer complaint received 2020-11-11
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: Their investigation did not fix an error on your report

Complaint:
This dispute is in response to CFPB Complaint Number : XXXX, that was prematurely closed. Instead of addressing my concerns from the original complaint, the company attempted to sell me on the idea that the information that they provided via mail addressed the concerns from this complaint. However, this is grossly inaccurate. While they did address a few concerns, in regards to removing a FEW of the inaccurate previous addresses listed on my report, Equifax failed to validate the late payments and failed to even refute the evidence that I provided within this CFPB Complaint, XXXX, illuminating the errors on their end. The information is inaccurate and I am still awaiting them to delete the remaining addresses that do not conform to the address on my Driver 's license, and more importantly the DELETE the negative accounts from my credit report. In addition to compliance with this dispute, I would like {$1000.00} compensation for a multitude of FCRA violations for each issue listed below. Please note that if the issues are not addressed and completed to my satisfaction, I intend to sue under FCRA violations. 

Below I have listed the specifics of your FCRA infractions and Demand Retribution immediately! To identify Account numbers addressed in the dispute below, Please use the Accounts # s provided in the 3B Credit Report!!!! 

1 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 


2 ) Dept of Ed/XXXX  - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 

3 ) Dept of Ed/XXXX - Account # XXXX A ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 

4 ) Dept of Ed/XXXX  - Account # XXXX A ) Again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 

5 ) Dept of Ed/XXXX  - Account # XXXX A ) And yet again, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 

6 ) Dept of Ed/XXXX  - Account # XXXX A ) In a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately. 

7 ) Dept of Ed/XXXX  - Account # XXXX A ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately. 

8 ) Dept of Ed/XXXX  - Account # XXXX A ) Yet again, as captured in a previous report, dated XX/XX/XXXX, this account did not reflect any late payments, however, the information annotated in the Older Derogatory Events listed 90 Days late for, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Interestingly enough, A recent report shows that you doubled down on your negligence by inserting inaccuracies for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. As I demonstrated in the previous CFPB complaint this information is inaccurate. Stop taking stabs in the dark and delete the information from my report immediately. 

9 ) Dept of Ed/XXXX  - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 

10 ) Dept of Ed/XXXX  - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 

11 ) Dept of Ed/XXXX - Account # XXXX A ) As I stated previously, you reported the Account as 120 days Past Due for XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. How do you report an account closed over 3 years ago as delinquent? You are making updates as you go. You are required to be accurate at all times. Delete This account from my report. 

B ) On an updated Credit report dated XX/XX/XXXX, you reported that this account was late between XX/XX/XXXX - XX/XX/XXXX, and XX/XX/XXXX - XX/XX/XXXX, however, as I demonstrated in the previous CFPB complaint, the payment history I provided to you demonstrate that the account was in forbearance during this timeframe. Stop taking shots in the dark and delete this account from my record. 

C ) The high balance listed for this account is {$380000.00}, which is 10,000 % higher than the true balance. Both XXXX XXXX & XXXX  have captured the true high balance amount of {$3800.00}, yet you insist on reporting inaccurate information. This is yet another example of RECKLESS reporting that warrants PUNITIVE DAMAGES. As I'm sure you're aware, the negative reporting in conjunction with the reported high balance causes significant damage to my report. Again, stop guessing, and delete this account from my consumer report. 

12 ) Apart from my dispute, you were told to remove all hard inquiries from my account that did not contain my signature. You completely glossed over this request, despite me indicating to you that fraud protection and account suppression needed to be added to my account. Please take this time to remove them all from my consumer report. 

13 ) Addresses reported : You still have several addresses listed on my report. Delete them all, except for the one I provided to you in my original dispute. Enough shenanigans. Fix this crud for once and for all.

Company response to consumer: Closed with explanation