Consumer complaint received 2018-03-27
Company: EQUIFAX, INC.
State: IL
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 have received a response to claim XXXX from equifax. Unfortunately they didnt do anything. 

I didnt ask for an investigation I asked to be corrected or removed. The item Planet XXXX XXXX they show as 120 days past due on their 81 month history as current status. Unfortunately this account was paid and closed XX/XX/XXXX. So how can it be past due a year and a half later.if account is no longer active. Next is this how they report and do investigation? If the account was still active and 120 days late why in history does it not reflect 30 60 90 days in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXit only shows 120 days lol. Last I knew there were only 31 days in a month not 120. This account is way off I have attached their results which i got from their site as it was easier for me to get and attach the one item than the entire report they mailed. I have also attached prior reports which reflect what I am saying. Prior to XX/XX/XXXX account reflected current status paid or pays as agreed. Now this means account was closed so it cant show past due because I dont owe anything after XX/XX/XXXX as my home was sold and mortgage was paid off.

This item was first asked to be investigated in XX/XX/XXXX equifax reported back item removed then 2 weeks later it was put back on this violates federal law. The company is no longer reporting after account was closed so who put back on. I then disputed again but then never got an answer and the account showed up on their site as under investigation consistently from XX/XX/XXXX until XX/XX/XXXX when they changed and put that it was past due. Thats 10 months and last I heard they had 30 days and not only that they messed the account up and put past due on an account that has been closed. 
Im not going to deal with this no more as it seems that CFPB does nothing to make sure federal law is complied with and equifax does whatever they want if they would have read complaint I state all this and attached documents. 

What is CFPBs job mailman or to make sure companies comply with federal law.

So again READ THIS. I dont want another supposed investigation. Any XXXX can look at documents I have sent and see exactly what I am saying. 

This either has 120 days past due removed corrected or item removed or equifax supplies proof physical that account is past do. That would mean billing. Good luck with that on an account that was closed XX/XX/XXXX
If I hear again that equifax is doing investigation I wont wait I will file suit against them for willful negligence in taking 10 months then messing up account that is closed for removing account in XX/XX/XXXX and putting back on in XX/XX/XXXX and then the CFPB as they are supposed to represent the FTC and government and make sure laws are followed but seems all they are is mailmen. They dont follow laws anymore than equifax does. 



Next the other issue on last complaint that equifax states was verified.XXXX XXXX XXXX Syncrony.. They were not asked to do an investigation. I demanded per federal law and fair credit reporting act that this account be removed not investigated. 

I requested this item be investigated in beginning of XX/XX/XXXX they ignored. I request again they ignored and again and they ignored demanded it be removed for violating law they ignored. In XX/XX/XXXX some 10 months later they state verified. I dont care they had 30 day to do not 10 months. I want this item to be removed NOW. This is gross negligence not just by equifax but by the CFPB. I was very clear and specific in complaint XXXX. 

My rights were violated and it cost me over 50 points on my score for both 30 just for screwing up XXXX XXXX XXXX with 120 days past due on an account that is closed over a year. 

So if I here investigation again from equifax it will be off to court and good luck to both as I have everything document and can prove not only did equifax violate law but CFPB did nothing to make sure they comply with. 

Does anyone acyually read these? Does anyone working for either party have iq higher than XXXX.  Right now I am angry as this garbage has cost me alot of time and money and has made it hard for me to get credit because I have an account showing past do status that was paid as agreed and the account was closed over a year ago.

Company response to consumer: Closed with explanation