Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX : XXXX. Equifax reports 2 late payments, XXXX reports 0 late payments, and XXXX reports 3 late payments. This account has NEVER been late. I have disputed it on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company has not responded or even touched the account. They have not investigated. They are violating my rights. This needs to be updated to NEVER late. 

XXXX XXXXXXXX XXXX XXXXXXXX : Has not provided any validation of this debt. I have no clue what it is. I have no been given an itemized copy of anything. I requested validation on XX/XX/XXXX. They did not investigate account. I disputed again on XX/XX/XXXX. They STILL have not sent me anything showing what I owe. Besides violating my right to know what my debt is for, XXXX is reporting the account as open. The dates of last acctivity are years apart. the date open is inconsistent. Equifax doesnt have the original creditor listed. Delete this account now. 

XXXX : Both Equifax and XXXX have updated this account to never late. XXXX refuses to investigate. I disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX needs to update this account to NEVER LATE. This is the newest dispute to experian. " This item was UPDATED TO PAYS AS AGREED, NEVER LATE by Equifax and XXXX on XX/XX/XXXX due to it reporting inaccurately. You were to be notified yet you are still furnishing it. Please UPDATE TO PAYS AS AGREED, NEVER LATE. 'XXXX XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payment status reflects 30 days late with XXXX and XXXX when the account is paid in full. It reflects current with Equifax. The dates of last payment are wrong - Equifax reports XX/XX/XXXX, XXXX and XXXX report XX/XX/XXXX. XXXX and experian report XXXX as 30 days late, but current with Equifax. Equifax reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. Equifax reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately! 

XXXX XXXXXXXX : This account has been disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ITS HAS NOT BEEN TOUCHED. Equifax reports XX/XX/XXXX as 90 days late. XXXX and XXXX report it as current. XXXX and XXXX reports XXXX as 60 days late. Equifax reports XXXX as 30 days late. This account NEEDS to be updated to NEVER late. There have been consistent errors without anyone investigation!

Company response to consumer: Closed with non-monetary relief