Consumer complaint received 2021-11-22
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 status incorrect

Complaint:
I am coming to your agency because equifax continues to report inaccurate information. I send them letters constantly every 45 days plus to bring this information to their attention. they dont send me my results or a updated credit report to show that they even investigated this account, I have to depend on my third party credit monitoring for updates. to my understanding if a consumer uses their rights under the fcra law to bring a inaccurate item to the credit bureaus attention then the credit bureaus must do a investigation and must send you your results via mail. how come Equifax does not. the address I send it to Equifax XXXX XXXX XXXX, XXXX, GA XXXX they never remove personal information that is wrong on my credit report. previously I had to file a complaint against XXXX because I kept explaining to them I felt like I was experiencing a mixed file because I am the IV in my family. well all along I found out that the social security number they were reporting was not even mine. XXXX ended up deleting the wrong personal information because of this. I do however feel as tho I may be experiencing the same with equifax but I can't tell if I am or not because they never will send me my full consumer disclosure credit report as I request. now my main reason for this complaint is they are continuing to report a specific account with errors that I bring to their attention but they do not fix, nor reply. 

XX/XX/XXXX I wrote Equifax saying they were reporting inconsistent information between XXXX XXXX and equifax. equifax was reporting the last payment date different then the other XXXX bureaus. 

didn't get a response XX/XX/XXXX I checked for updates on my third party credit monitoring and nothing was changed. the last payment stayed the same. so I decided to send in another letter based on new errors I had found. the letter was based on them reporting this account to be open but the last payment was XX/XX/XXXX and reporting late 120 days but the account was reporting Paid but with no balance and no past due, and the remarks section did not clarify the status of the account. at this point idk what the heck is going on with this account because its a mess. how can you report a open account but the last payment was 5 years ago? how can you report a {$0.00} past due and {$0.00} balance as XXXX but the account is still open? accordion to those reporting fields this account was considered current to me. 

XX/XX/XXXX I checked for updates on my credit monitoring and I noticed equifax UPDATED this account. I know this because now they dont report this account as Paid anymore, they report it as Derogatory. the Last payment field STILL remains the same even tho transunion and experian report differently. and they updated the creditor remarks as XXXX XXXX XXXX Mortgage BUT they STILL report this account to be OPEN. how can this account be open? XXXX and XXXX report this account as closed as it should be. I have brought this to their attention on the same exact letter regarding the other information they updated but they still continue to report inaccurate information OPEN account. equifax is also in violation for the following fcra law that I have looked up on the FTC website ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the comple- tion of the reinvestigation, by mail or, if authorized by the con- sumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under sub- paragraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a descrip- tion of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in con- nection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or complete- ness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 


I was not notified of my results. to me Equifax is non compliant, conducting illegal practices and not abiding to FCRA laws. the laws are available to any consumer to know their rights when it comes to the credit reporting agencies on the FTC website and I feel as tho Equifax is being unfair. if they were able to update this account then all reporting fields should be updated to the maximum completeness and accuracy. this account is still WRONG and causing much damages to my credit report, character and credit worthiness. 

attached find all paperwork to support my claim and proof of address

Company response to consumer: Closed with explanation