Consumer complaint received 2022-05-02
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:
I sent my letter off on XX/XX/XXXX XXXX. I asked the credit bureaus to properly investigate every piece of information on the accounts listed below. You will find the attached tracking information for those letters. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, person characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning and such items of information.

They stated my account was accurate and verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate! According t

o the FRCA 15 USC 1681 everything has to be 100 % accurate. Here are the accounts in question listed below XXXX... 
XXXXCame back verified/reports XXXX different last active dates* delete this account. 
XXXXcame back verified/continues to report after charge off*delete this account. 
XXXXcame back verified/ open date XXXXlast payment listed XXXXdelete this account. 
XXXXcame back verified/ open date and last active date the same* delete this account. 
XXXXcame back verified/no comments left after verification*delete this account. 
XXXXcame back verified/3 different active dates across the credit bureaus*delete this account. 
XXXXcame back verified/date open and last payment date are the same. *_delete this account. 
XXXXcame back verified/last active dates different with all 3 credit bureaus* delete this account. 
XXXXcame back verified/reports same open and last active date* delete this account. 
XXXXcame back verified/3 different last active dates with credit buraus*delete this account XXXXcame back verified/continues to report after account was closed* delete this account. 
XXXXcame back verified/ has XXXX different open dates with credit bureaus*delete this account. 
XXXXcame back verified/continues to report after account was closed*delete this account. 
XXXXcame back verified/has different open dates with credit bureaus*delete this account. 
XXXXcame back verified/ reporting different balances with credit bureaus*delete this account. 
XXXXcame back verified/continues to report after account was closed*delete this account. 

Equifax... 
XXXXCame back verified /Payments read ok until XX/XX/22 then charge off 120 days for XXXX delete this account. 
XXXXcame back verified/not updated in the comments*delete this account. 
XXXXcame back verified/ Payments read ok until XX/XX/22 then charge off 120 days for XXXX delete this account. 
XXXXcame back verified/reports XXXX different active dates from credit bureaus*delete this account. 
XXXXcame back verified/nothing updated in comments*delete this account. 
XXXXcame back verified/reports different information with all XXXX bureaus*delete this account. 
XXXXcame back verified/date last active and date reported are the same. *Delete this account. 
XXXXcame back verified/report date and last active date are the same. *delete this account. 
XXXXcame back verified/reports ok payments to XXXXdelete this account. 
XXXXcame back verified/continues to report after charge off. * Delete this account. 
XXXXcame back verified/reads XXXX different active dates on credit report. *Delete this account. 
XXXXcame back verified/incorrect last payment dates for credit report. * Delete this account. 
XXXXcame back verified/continues to read on time payments. *Delete this account. 
XXXXcame back verified/payment history different across all credit bureaus. *Delete this account. 
XXXXcame back verified/continued activity after charged off. * Delete this account. 

XXXX .... 
XXXXcame back verified/3 different last active dates*delete this account. 
XXXXcame back verified/did not report update in comments*delete this account. 
XXXXcame back verified/3 different last active dates*delete this account. 
XXXXcame back verified/last active day and reported day are the same*delete this account. 
XXXXcame back verified/open date is inaccurate* delete this account. 
XXXXcame back verified/no updated comments*delete this account. 
XXXXcame back verified/last reported and last active are the same*delete this account. 
XXXXcame back verified/different last active dates across the 3 credit bureaus *delete this account. 
XXXXcame back verified/has XXXX different last active dates*delete this account. 
XXXXcame back verified/has same last active date and last reported date* delete this account. 
XXXXcame back verified/active date and reported date the same*delete this account. 
XXXXcame back verified/no comments after being XXXX delete this account. 
XXXXcame back verified/credit limit and credit high are inaccurate*delete this account. 
XXXXcame back verified/3 different last active dates with credit bureaus* delete this account. 
XXXXcame back verified/credit high and credit limit are inaccurate*delete this account. 
XXXXcame back verified/has XXXX different last active dates with credit bureaus*delete this account. 
XXXXcame back verified/3 different last active dates with credit bureaus*delete this account.

Company response to consumer: Closed with explanation