Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: PA
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:
Equifax is continuing to verify accounts with out any proof. The accounts are also being reported inaccurately across the board. These accounts are not even reporting my name. When I spoke with Equifax they just said it was a typo but this clearly is an inaccuracy and another MATERIAL fact that is demonstrating more errors in their reporting. 

XXXX XXXX XXXX  Account # XXXX XXXX is reporting this account as charged off in XX/XX/XXXX, Equifax is reporting it charged off in XX/XX/XXXX. You are reporting no data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  is also reporting it as ok in XX/XX/XXXX while Equifax is reporting it delinquent in XX/XX/XXXX. 

Equifax is not reporting any close date. Equifax Is reporting this account as sold but not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. this item from my file it is inaccurate and incomplete. 

XXXX XXXX Account # XXXX Equifax Is reporting this account as 60 days late XX/XX/XXXX, no data in XX/XX/XXXX and XX/XX/XXXX and then 90 days late in XX/XX/XXXX, how is this possible? How is still only reporting 90 days late she. there is 2 months in between XX/XX/XXXX and XX/XX/XXXX? Equifax Is also reporting the account as charged off in XX/XX/XXXX but a past due balance of {$5200.00} in XX/XX/XXXX. If its charged off how is a balance being reported? Equifax Is not reporting any close date for this account. 

Equifax Is reporting a last payment date of XX/XX/XXXX while XXXX  is reporting a last payment in XX/XX/XXXX. How can this be accurate if its reporting differently to the credit reporting agencies? Which one is accurate? 

Im also disputing the balance of this account and name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. Please delete this item from my file it is inaccurate and incomplete. 

The XXXX XXXX XXXX Account # XXXX XXXX  is reporting this account as ok in XX/XX/XXXX, Equifax is reporting this account as delinquent in XX/XX/XXXX, while XXXX  is reporting this account delinquent in XX/XX/XXXX. Its reporting differently to all 3 reporting agencies. How can this be accurate? 

XXXX is reporting this account was closed in XX/XX/XXXX, Equifax reports this account was charged off in XX/XX/XXXX and XXXX  is reporting in closed in XX/XX/XXXX. How can this be reported as accurate. 

Equifax Is reporting this account as sold but youre not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

I sent certified letters to Equifax and according to the postal service they were received XX/XX/XXXX. I also attached copies of the credit reports showing the inaccuracies. 

I also sent debt validation letters to the above mentioned creditors and they have not responsed with any proof.

Company response to consumer: Closed with explanation