Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: FL
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:
It has been 49 days since I sent my first dispute to the credit bureaus to use only my correct updated personal information. It has been 35 days since I sent my first dispute to correct the inaccurate information in my credit report. The bureaus placed comments on the reports claiming that the information was verified and in compliance with Fair Credit Reporting Act ; however, the bureaus have failed to provide proof that the debts are actually mine or that the information is accurate. I have filed many follow up letters demonstrating the inaccuracies. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. The Consumer Financial Protection Bureau providing the bureaus more time, is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
_____________________________________________________________________ All of the Department of Education reports are a duplication of information from the DEPT OF ED / XXXX reports. None of the dates of last activity match, payment history is different at each bureau and each account, the comments and statuses are different at each bureau, none of these companies are my service provider, one bureau is reporting that these accounts are still open, it is mathematically impossible to go from an OK to 90 Days Late in one month ; however, this is a reoccurring error on these reports. Not one of these accounts has been verified. If they were then your agencies would have know that none of these accounts are my service provider. Promptly DELETE all inaccurate information which can not be verified. 
XXXX DEPT OF ED / XXXX XXXX {$5500.00} U.SXXXX DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX {$1200.00} U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX {$2700.00} U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX {$990.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX The NYS HIGHER EDUCATION : EACH account number is different : Each bureau is reporting a different open date and none of them are correct, each bureau is reporting a different payment history and none are correct, it is mathematically impossible to go from an OK to 120 Days Late in one month ; however, this is a reoccurring error on these reports. Each bureau is reporting a different date of last activity and none of them are correct. Promptly DELETE all inaccurate information which can not be verified. 
XXXX XXXX XXXX # XXXX : Each bureau is reporting a different open date and none of them are correct, each bureau is reporting a different payment history and none are correct. Each bureau is reporting a different date of last activity and none of them are correct. Promptly DELETE for inaccuracy as well as XXXX using the bureaus for improper purpose ( nefarious acts XXXX. 
_____________________________________________________________________ NY CHILD SUPPORT ENFC XXXX : The date this account was open is incorrect. The payment history is incorrect. The date of last activity is inaccurate. This account was never late. 
I requested physical proof that I requested a hard inquiry from the following accounts ( I do not recognize any of the following inquiries ) ; if the bureaus could not provide it, to delete them immediately. None of the bureaus have complied. 
XXXX NEW YORK STATE HIGHER EDUCATION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation