Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention my concerns regarding the investigation of my accounts by the three credit bureaus. I have been disputing negative and unverifiable information that is being reported on my credit report, but to no avail. I have asked the bureaus to verify and validate this information in the past, but they have mistreated and ignored my request. They have not provided me with the necessary proof that indicates these accounts truly belong to me. 
I am requesting that each bureau investigates my accounts to the fullest extent possible and shows me records of my transaction history, receipts of payments, contractual agreements with my signature attached, sales agreements, and please show me where I fell short to make my accounts be 30-90 days late to where it becomes delinquent. If they can not provide me with verification of these accounts, I demand they remove them from my credit report immediately. 
Furthermore, the bureaus are reporting accounts that have been previously removed from my account but somehow have re-aged on my credit report, which is a violation of the Fair Credit Reporting Act. I request that they be removed immediately. The accounts in question are as follows : XXXX XXXX : Please verify the 30 days late. If you can not verify the late payment, please update this as paying as agreed. This account is reporting on my credit report more than 10 times with the same account number with different payments and balances. One bureau is reporting the account closed while the other two are reporting it open and paid as agreed, which is reporting false information. If the bureaus can not report 100 % correct across all the bureaus, this account needs to be removed immediately. Date of open and closed are inaccurate. I have also disputed these accounts numerous of times, but it does not show on my credit remarks as disputed which is another violation of the FCRA. 
XXXX XXXX XXXX : Please verify the accuracy of this 30 days late payment as I have never been late, and I am asking you to update this account as paid as agreed. 
XXXX XXXX XXXX : Please verify the accuracy of this 30-60 days late payment as I have never been late, and I am asking you to update this account as paid as agreed. 
XXXX XXXX XXXX : Please verify the 30-120 days late. If unverifiable, please remove this entire account from my credit report. I ask that you send me proof of how you came up with the conclusion of this account to be in default. Also, this account is reporting multiple times on my credit report with different account numbers, as well as one account showing that it is closed and charged off with a balance, which it should not have a balance once it becomes charged off, while the other shows it paid as agreed. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : I am requesting the removal of this account as it violates my rights as a consumer. I did not authorize this company nor did I give this company authorization to report on my credit report as this is a collection agency which I have never done business with. I am demanding an investigation to verify the account in its entirety to the fullest extent and show proof of the contractual and sales agreement. If not, I demand they remove this item from my credit report permanently. 
I am well aware of my right of the Fair Credit Reporting Act, and I am asking you to do your job responsibly and in a timely manner and get my updated report back to me promptly after you have properly investigated each item I have listed here. I have also attached a copy of my credit report to help me in this investigation. 
Thank you for your attention to this matter. I have also attached previous dispute letters I have sent to each bureau. 
Sincerely, XXXX XXXX

Company response to consumer: In progress