Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the Account name and account number has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681S-2 ( A ) ( 1 ) 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. Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A DISMISSED/DISCHARGED XXXX  XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. A DISCHARGED XXXX XXXX  BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 10 YEARS FROM THE DATE FILED. ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROM THE REPORTED DATE. Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ( Please DELETE ALL XXXX  AND ANY OTHER EDUCATIONAL LOAN THAT YOU ARE REPORTING AS PAST DUE AND LATE PAYMENST- THIS IS INACCURATE INFORMATION THAT YOU ARE REPORTING PER THE FCRA YOU HAVE TO REMOVE ASAP ) THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS, TYPE OF ACCOUNT, CHARGE OFF AMOUNT, ACTUAL PAYMENT, SCHEDULED PAYMENT, CLOSED DATE, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ( How was it verified please send verification source and Authentic signature if you can not provide per the FCRA you have to remove ASAP. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ACCOUNT HISTORY Trade : XXXX XXXX XXXX PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN BANKRUPTCY DOES NOT REPORT ANY LATE PAYMENTS. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. ( THIS IS INACURATE INFORMATION- you have to remove late payment information you just stated that this account was included in bankruptcy that is derogatory information and according to the FCRA you have to remove ASAP ) THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. ( PLEASE REMOVE ANY LATE PAYMENTS ASSOSCIATED WITH XXXX XXXXXXXX- These are transactions and transactions can not be reported to credit reporting agencies as well as its inaccurate and derogatory and affecting my credit worthiness. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( Please provide the bankruptcy court that provided the information you cant because no court provided this- I spoke with PACER and they said that they do not report to credit reporting agencies- this is derogatory and inaccurate information that you are reporting- according to the FCRA you have to remove from my credit report ASAP ) THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION Public Record : Bankruptcy THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ( Back in the previous statement you said it has been deleted but the next statement you said its reporting correctly- this information is conflicting and should be removed ASAP its causing my credit worthiness to be questioned please remove ) XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ACCOUNT HISTORY ( PLEASE PROVIDE SOURCE VERIFIED WITH AND ANY SIGNATURES PROVIDED- FROM THE ORIGINAL SOURCE IF YOU CAN NOT PLEASE REMOVE FROM MY CREDIT REPORT ASAP. ) the below information they stated is not showing on my credit report, but I have requested for inquires associated with the below be removed and they are still showing attached to said accounts- I am requesting that all inquiries associated with any closed or account being reported as fraudulent and associated with information you said was not showing on my credit file be removed asap. ) NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : US DEPT OF EDXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Public Record : Bankruptcy THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX XXXXXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : US DEPT OF EDXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Public Record : Bankruptcy THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.

Company response to consumer: Closed with explanation