Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit Report. I received dispute results 30 days later but there are still inaccuracies on my credit report and violations as well. I then sent more dispute letters pertaining to the errors and bad reporting and no resolution has came from the errors on my credit report and those errors are I feel like I'm being taken advantage of and being ignored of my disputes. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I am also familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not 100 percent right and correct. 

1. XXXX Account XXXX XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX is not showing payments on those above dates XXXX shows no payment history XXXX shows a high balance, equifax and XXXX does not show a high balance Status Update : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX shows XX/XX/XXXX Balance update : Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing on time payment XX/XX/XXXX XXXX is not showing payments on the above date Equifax not reporting no payment entry XX/XX/XXXX XXXX shows XXXX  XX/XX/XXXX XXXX shows no payment history XXXX shows a high balance, equifax and XXXX does not show a high balance Status Update : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX shows XX/XX/XXXX XXXX. XXXX XXXX  XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing XXXX late payments XXXX showing XXXX late payments XXXX shows no payment history Equifax shows on time payment on XX/XX/XXXX but no reported payment status on XXXX on that same date XXXX shows a high balance, equifax and XXXX does not show a high balance Status Update : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX shows XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax no showing the original amount XXXX XXXX showing no payment history Equifax showing not reporting XX/XX/XXXX XXXX shows CO XX/XX/XXXX XXXX shows no payment history XXXX and Equifax does not show a high balance, XXXX XXXX high balance Status Update : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX shows XX/XX/XXXX XXXX. XXXX XXXX Account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing open date of XX/XX/XXXX but no payment history until XX/XX/XXXX Equifax is showing no reported payments on XXXX and XX/XX/XXXX, XXXX showing on time payments on those dates as payments all of XXXX and XXXX. 
XXXX showing status update XX/XX/XXXX, Equifax showing status update XX/XX/XXXX, XXXX status update XX/XX/XXXX XXXX shows no payment history but shows balance updated XX/XX/XXXX, XXXX shows balance update as of XX/XX/XXXX I have disputed the errors before in which XXXX says it's been resolved and equifax shows no information on my investigation, and XXXX shows dispute resolved. 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report some reports have not been investigated while others have and errors still are present so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation