Consumer complaint received 2019-02-10
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I VE DISPUTED THIS ACCOUNT RECENTLY WITH EQUIFAX AND I EVEN TRY GOING ON LINE AND TO DISPUTE INFORMATION REGARDING THIS ACCOUNT WHICH ALSO PRETAIN TO MY CHAPTER XXXX BANKRUPTCY DISCHARGE AND WHAT ACCOUNTS ARE INCLUDED IN MY BANKRUPTCY. I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND AT THE TIME ALL OF MY CREDITORS WHO WAS LISTED ON MY LIST WAS NOTIFIED OF MY BANKRUPTCY. XXXX XXXX XXXX CARD WAS NOTIFIED OF IT AND IT SHOWS ON MY FILING THAT WAS SENT TO THE COURT .IT ALSO SHOWS THERE NAME DOWN AS INCLUDED IN MY BANKRUPTCY. RECENTLY I WAS LOOKING OVER MY CREDIT REPORT AND I NOTICE THAT EQUAFAX WAS REPORTING MY WRONG FILING DATE ON MY CREDIT REPORT. THEY WERE REPORTING XX/XX/XXXX AS THE DATE I FILE FOR CHAPTER XXXX BANKRUPTCY BUT IN FACT THAT DATE I FILE WAS XX/XX/XXXX. SO I WENT AHEAD AND DISPUTE THAT TO GET THE DATE CORRECT ON MY CREDIT REPORT. A COUPLE DAYS LATER I NOTICE THAT XXXX XXXX XXXX CARD HAD NO STATIC ON MY CREDIT REPORT. SO I CALLED AND I WAS INFORMED THAT XXXX XXXX XXXX CARD WILL BE REMOVED OFF OF MY CREDIT REPORT IN XXXX OF XXXX. THEN I OBSERVE A 120 DAYS LATENESS ON XXXX OF XXXX WHICH BY FAR I WAS NOT ACCURATE. SO IN MY OPINION THIS ACCOUNT IS BEING PARK ON MY CREDIT PROFILE AND THE DATE OF DELINQUENCY WAS CHANGE. I HAD MANY ISSUE WITH THIS CREDITOR IN THE PAST AND IT SEEMS THAT EQUIFAX IS NOT VERIFY INFORMATION TO SEE IF IS ACCURATE .WHAT I THOUGHT WAS IN SOMEONE CREDIT FILE ALL INFORMATION IN REGARDS TO SOMEONE CREDIT HAS TO BE ACCURATE UNDER THE FAIR CREDIT REPORTING ACT AND IF A CONSUMER DISPUTE ANY INFORMATION THE CREDIT BUREAU HAS THE OBLIGATION TO INVESTIGATE THE CLAIM IN THE MATTER. SO I HAVE INCLUDED MANY DOCUMENTS IN THIS. I HAVE ENCLOSED MY CHAPTER XXXX BANKRUPTCY LIST THAT PRETAIN ALL OF MY CREDITOR UNDER MY BANKRUPTCY. XXXX XXXX XXXX CARD IS PART OF THIS BANKRUPTCY AND THEY SHOULD BE LISTED AS INCLUDED IN BANKRUPTCY AND DISCHARGE UNDER THIS. IT ALSO SHOWS THE DATE I FILED AND I RECEIVE MY DISCHARGE, SO I NEED EQUIFAX TO UPDATE MY CREDIT REPORT AS STATED. SECOND ON MY EQUAFAX CREDIT REPORT DATED XX/XX/XXXX IT SHOWS THAT THIS ACCOUNT IS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY AND DISCHARGE. SO IF YOU LOOK UNDER STATIC IT SHOWS INCLUDE IN BANKRUPTCY BUT IF YOU LOOK AT THE CREDIT REPORT DATED XX/XX/XXXX IT SHOWS A N/A UNDER STATUS. SECOND IF YOU LOOK ON THE CREDIT REPORT DATED XX/XX/XXXX IT SHOWS DATE OF FIRST DELINQUENCY XX/XX/XXXX BUT IF YOU LOOK AT THE CREDIT REPORT DATED XX/XX/XXXX IT SHOWS N/A. THAT TELLS ME THAT SOMEONE REMOVED THAT DATE SO THIS ACCOUNT CAN STAY PARK ON THIS CREDIT REPORT LONGER THEN IT SHOULD. SECOND THE DATE OF LAST ACTIVITY WAS CHANGED ON THIS CREDIT REPORT. ON MY CREDIT REPORT ON XXXX IT SHOWS N/A THAT BECAUSE THIS ACCOUNT WAS INCLUDED IN MY BANKRUPTCY DISCHARGE BUT LOOKING AT THE CREDIT REPORT DATED XX/XX/XXXX IT SHOWS A DATE OF XXXX OF XXXX. WAIT THAT THE DATE OF DELINQUENCY, THAT ANOTHER EXAMPLE OF HOW SOMEONE WANT TO PARK ACCOUNT TO STAY LONGER ON ONES CREDIT REPORT. IVE DISPUTED THIS SEVERAL TIMES AND CONSUMER FINANCIAL PROTECTION BUREAU SENT MY COMPLAIN OUT TO XXXX XXXX  XXXX XXXX XXXX ON THESE DATE SINCE I HAD MANY COMPLAIN REGARDING THIS ACCOUNT WHICH I ALSO ENCLOSED THERE RESPONSE. THEY STATED THAT THEY SPOKE WITH XXXX XXXX XXXX  CARD AND THEY STATED THAT MY DATE OF DELINQUENCY IS XXXX OF XXXX WHICH STATED HERE ON MY CREDIT REPORT. THIS ACCOUNT SUPPOSE TO REMOVE OFF OF MY CREDIT REPORT ON XXXX OF XXXX. I WOULD HOPE THAT THIS GET UPDATE CORRECTLY

Company response to consumer: Closed with explanation