Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: MO
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 am submitting this CFPB complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXX  XXXX Balance Owed : {$0.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : $ XXXX An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Thank you. 

XXXX XXXX XXXX XXXX : {$1000.00} -You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of XXXX and 60 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please remove this account for erroneous reporting. 

XXXX XXXX XXXX XXXX : {$0.00} - This account currently reports information illegally. Thoroughly investigate and remove for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 60 and 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately XXXX  XXXX XXXX Balance Owed : {$710.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX XXXX : {$2500.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. 

XXXX XXXX XXXX XXXX : {$0.00} - This account is not charged to me. My record shows that this account was Paid as agreed and XXXX is XXXX. Please delete this account immediately. 

XXXX  XXXX XXXX Balance Owed : {$0.00} -You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible. 

XXXX  XXXX XXXX XXXX Owed : {$0.00} - This account currently reports information illegally. Thoroughly investigate and remove for lawful accuracy. 

XXXX  XXXX XXXX XXXX Owed : {$79.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

Company response to consumer: Closed with explanation