Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: TX
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:
This CFPB complaint is formal notice that you have failed to respond in a timely manner to my dispute letter. 
You inform me to contact the creditors and I have done so. According to FDCPA 809b you are required to delete these accounts until they validate. I have requested validation and they have not produced it. Please delete them now.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account has a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and fix it. If not, remove right away.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - Since they have previously been paid for, this account shouldn't be showing the present status of 120 days late. It would appear impossible for late fees to be accumulated on a paid-in-full account. If you can't verify it, kindly remove it.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look at how this account reports and make any necessary corrections so that the status is instantly shown correctly. If it's impossible to verify, remove right away.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. Delete right away if you can't verify.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account currently publishes information without permission. Despite the fact that an account with a status of 120 days past due is already a charge off account under the Federal Reserve and Federal Insurance Act, you kept this account on your records for eight consecutive months. Please delete this account right away since it contains inaccurate information. Regards.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account currently publishes information without permission. According to the Federal Reserve and Federal Insurance Act, an account that is 120 days past due is already a charge off account ; yet, you kept keeping this account 's status as 120 days past due. I previously asked for a copy of the payment history for this account. Where is it? Please delete this account as soon as possible.

DEPTEDXXXX XXXX Balance Owed : {$0.00} This account has already been charged off in accordance with the Federal Reserve and the Federal Deposit Insurance Act after appearing to be 120 days past due. This account needs to be updated for it to seem correct. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. I need you to delete this account since it has reported false information.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - How many times do I have to state that the references used to support the late payment on this account are false and deceptive, thus impacting my credit report? I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. I don't think this " investigation '' you conducted was enough, therefore IMMEDIATELY DELETE THIS ACCOUNT!

DEPTEDXXXX XXXX Balance Owed : {$0.00} The fact that you have done nothing to change this account 's inaccurate reporting of information on my credit file is as obvious as day. Isn't an account already regarded as charged off after it is 120 days past due? I've asked you before to repair this account, but you did nothing. Delete this account right away!

DEPTEDXXXX XXXX Balance Owed : {$0.00} This account contains several inaccuracies that seriously harmed my credit report. I previously asked you to update and amend this account due to inaccurate reporting, but as I can see, you haven't taken any action. You have disregarded my demands in violation of the FCRA rules! If you are unable to perform your duties correctly, remove or delete this account!

DEPTEDXXXX XXXX Balance Owed : {$0.00} Earlier, I asked for your assistance in correcting this account since it had been providing false information. Yet it is evident now that you never completed your job after seeing my updated credit report! I'm so angry with your behavior that I'm asking for your assistance once more to totally delete this account from my credit report.

DEPTEDXXXX XXXX Balance Owed : {$0.00} You kept reporting without sufficient verification since you were unable to confirm this account, which is against the FCRA law. Please delete this account immediately.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. If you can't verify this account, look into it and delete it from my credit file. Regards. 
DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - This account has a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and fix it. If not, remove right away.

DEPTEDXXXX XXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is now said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 
XXXX XXXX XXXXBalance Owed : {$0.00} - The FDIC 's Account Management Policy and Uniform Credit Retail Credit Classification are both broken by this account, according to the report. Please present evidence of the most recent payment. Otherwise, immediately delete the account. 
XXXX XXXX Balance Owed : {$200.00} - By updating the information supplied, evaluate this reporting. Why is there a {$200.00} balance when a charge off account should have a balance of {$0.00} to indicate that it is a charge off account? Please put a quick end to this false reporting.

Company response to consumer: Closed with explanation