Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX I disputed the validity of information on my Equifax Credit report in regards to the XXXX XXXX Account ending in XXXX. They had reported inaccurate information that I noticed on my credit report, and I demanded this account be removed from my credit file permanently. Equifax completed their investigation and they verified all the information on the account to be accurate. The confirmation number for this dispute was # XXXX. Upon checking my most recent credit report with Equifax, there are still very grave inaccuracies on my credit report in regards to this XXXX XXXX # XXXX account. 

Equifax claimed they contacted XXXX XXXX and did a thorough investigation and found all the information to be accurate, however this is not the case upon checking my XX/XX/XXXX credit report. In XX/XX/XXXX dispute results, Equifax verified that my Delinquency First Reported was XX/XX/XXXX and the Date of First Delinquency was XX/XX/XXXX. But when looking through the payment history of the XXXX XXXX Account ending in XXXX, there appears to be three different dates where a delinquency of 30 days or more occurred. These dates are XX/XX/XXXX where it shows 60 days delinquent, XX/XX/XXXX where its shows 30 days delinquent and we also have XX/XX/XXXX showing 30 days delinquent. If Equifax completed a thorough investigation and verified with complete accuracy that my date of first delinquency was in XX/XX/XXXX, then why are there earlier dates showing a delinquent status? If the Date of Major Delinquency reported was XX/XX/XXXX at 30 days delinquent, why is XXXX XXXX 60 days delinquent and not being reported as the date of major delinquency since 60 days is more than 30 days. When checking my XX/XX/XXXX credit report, its shows the date of first delinquency still being XX/XX/XXXX and the Delinquency First Reported as being XX/XX/XXXX, even though the historical status shows a delinquency occurring earlier. Why wasn't my credit report updated to show that XX/XX/XXXX was the correct first date of delinquency. So either XXXX XXXX is reporting false information, or Equifax has not completed a thorough investigation ensuring maximum possible accuracy. This is very harmful to my credit as it takes 7 years for late payments to fall off. Why are there any discrepancies with the First Date of Delinquency status if Equifax has verified information to be accurate? Clearly, that is an inaccuracy, and as such, this entire account needs to be removed from my credit file within the next 30 days. Equifax responded to my original disputes claiming that ALL information being reported by this Creditor had been verified as accurate, yet there are inaccurate dates of delinquencies. 

According to 611 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) if after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Remove and delete this account from my credit file.

Company response to consumer: Closed with explanation