Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
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:
This complaint is against XXXX XXXX and Equifax reporting a Inaccurate Date of XXXX Delinquency date in the Payment Histories now manipulating the Purging date in terms of account XXXX on my consumer reports. I have gotten verification from the original source XX/XX/XXXX and the company clearly indicates The FCRA allows us to continue reporting the account for up to seven years from the first date of delinquency that led to the charge off, which in this case is XX/XX/XXXX. Once the time has passed, the account information can be removed from your credit profile as described in the FCRA. 

XXXX FCRA to my understanding as a consumer I have the full right to dispute any information on my consumer files that are inaccurate and incomplete. I have made all XXXX agencies clearly aware of this matter and attached the legal document from the original creditor to support my dispute to diminish any speculation that my dispute was frivolous and XXXX XXXX and Equifax refuse to fix this on going issue by not only failing to update the account to the maximum possible accuracy by reporting the correct date of delinquency in the payment history but also failing to adjust the purging date 7 years from the date of delinquency with the original creditor. 

* XX/XX/XXXX I made XXXX aware of this issue. Attached is a copy of my dispute. 
* XX/XX/XXXX I made XXXX aware of this issue. Attached is a copy of my dispute. 
* XX/XX/XXXX I made Equifax aware of this issue as well as other inaccurate reported data. Attached is a copy of my dispute that I sent certified tracking XXXX. 

* XXXX currently is reporting the date of 1st delinquency in the payment history as XX/XX/XXXX and the purging date XX/XX/XXXX on my XX/XX/XXXX report file # XXXX. 
* XXXX currently supplied me with results XX/XX/XXXX report # XXXX with the date of 1st dinquency in the payment history as XX/XX/XXXX and the purging date XX/XX/XXXX. 
Equifax has supplied me with results XX/XX/XXXX confirmation # XXXX with the date of 1st delinquency in the payment history as XX/XX/XXXX but the unique date of 1st delinquency field as XX/XX/XXXX. The date of 1st delinquency field is accurate with Equifax but the payment history is NOT reporting the correct date of 1st delinquency date to match equifax unique date of 1st delinquency field.

The information from the original creditor was supplied to me XX/XX/XXXX, therefor I have respectfully given all 3 agencies XXXX XXXX and Equifax plenty of time to update this one account to match the original creditors information and all 3 agencies refuse to be in compliance with federal requirements and regulations by failing to update this account correctly or delete the account which is NOT FAIR TO ME and my reports. I believe XXXX XXXX and equifax are allowing the inaccurate reporting of this account to continue to report based on validity instead of verification of 100 % accurate and complete information. As of now XXXX is reporting the 7 year period to end XX/XX/XXXX. XXXX is reporting the 7 year period to end XX/XX/XXXX and Equifax is reporting the 7 year period to end either XXXX or XX/XX/XXXX. XXXX account can not be legally removed on 3 different months. XXXX XXXX and Equifax are NOT meeting the Requirements of the FCRA. XXXX XXXX and Equifax are refusing to report the same data furnished from the original creditor. The Consumer Reporting Agencies responsibility is to provide a standardized method for the reporting of accurate, complete and timely data that meets all requirements of the FCRA, XXXX and the ECOA. All 3 agencies are refusing to do so.

Company response to consumer: Closed with explanation