Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: IA
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:
YOUR COMPLAINT On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EQUIFAX reporting INCORRECT information on my Credit Card with XXXX  XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX. I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on XXXX or XXXX and that that information was incorrect as I had called XXXX  XXXX XXXX  and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due as well when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! EQUIFAX has FAILED to see me as a person with rights protected under not ONLY the CARES ACT which states CARES ACT IMPACTS CREDIT REPORTING Under the CARES Act, you can make an agreement with your lender to skip a payment, make a partial payment, or set up some other arrangement and be considered current, so long as you meet the terms of the agreement. If an agreement is made and an account is already delinquent, that status will be lifted once your account or loan is made current. If you bring your account current, the creditor must report you as such. These requirements apply to agreements made between XX/XX/XXXX, and 120 days following XX/XX/XXXX, or 120 days after the national emergency ends but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal 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 any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have YET to give me a fair and proper investigation as a matter of fact they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! They just continue to deny me of my rights again and again. 
NOW in their INVESTIGATION they are showing even more DISCREPANCIES!! You will see in my attachments they are STATING the account is PAYS AS AGREED and shows NO DATES OF DELINQUENCY and then in super fine print below that lists my account in DELINQUENCY PAST DUE CODES!! MORE DISCREPANCIES AND VIOLATIONS!!

Company response to consumer: Closed with explanation