Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax will not properly investigate my factual disputes. Their refusal to investigate my disputes has been occurring for several months. Equifax has willfully, and repeatedly violated my consumer rights when it comes to investigating my disputes. 

As of the date of this complaint, Equifax continues to deny me a complete and accurate credit report. 

Equifax has returned my disputes as verified and accurate, even though the information from the reports they provided, clearly show inaccuracies. Equifax will not furnish me with documents or any information that supports their opinions regarding my credit disputes. 

In almost every dispute I submitted in order to get my report corrected, to reflect complete and accurate information, Equifax has violated my rights. They have completely ignored the rules and procedures outlined by the Fair Credit and Reporting Act ( FCRA ). They have furnished me with my credit reports and investigation results that are full of inaccuracies. Equifax has ignored my requests for re-investigations. 

In their correspondence to me, they have informed me that disputed information on my credit report which is clearly inaccurate or incomplete, is in fact, accurate. For example, a recent investigation result from Equifax states that they have researched the item and the " date of last activity '' is reporting accurately. The date of last activity is missing. 

Equifax has illegally extended the time needed for investigating my disputes to several months. 

In each of the accounts they are reporting on my file, Equifax did not properly investigate. They have informed me that they have researched my credit accounts, and yet, the account information clearly shows that they have only stamped these accounts as " verified and accurate '', without conducting the required investigations. Equifax decision to violate my rights by not investigating my disputes has made accessing credit extremely difficult for me. 

The following accounts have not been properly investigated by Equifax : XXXX XXXX XXXX : This account must be deleted, because Equifax could not verify the " date of last activity ''. Their investigation results letter stated that they have researched this account. Equifax stated that date of last activity is being reported accurately. However, it is not being reported at all! Even after researching this account, Equifax still does not show any payment history! The account is still missing its date closed. ( Information taken directly from my credit report provided by Equifax. ) XXXX XXXX XXXX # XXXX : Account should be removed for inaccuracy, because after several request to investigate, Equifax did not verify missing terms and date of last activity. ( Information taken directly from my credit report provided by Equifax. ) XXXX XXXX XXXX Account # XXXX Delete this account for inaccuracy. Equifax continues to inaccurately report a charge-off for this account which has no reported payment history!! This is a violation. Please remove this account from my file. Why are they inserting exclusively negative information? ( Information taken directly from my credit report provided by Equifax. ) XXXX XXXX XXXX : Account # XXXX Unknown account. I asked Equifax to furnish me with documents such as a signed contract to match my records, but they only verified the account as accurate. Equifax did not provide any proof that supports their opinion of account ownership. Did not properly investigate. 

XXXX XXXX Bank XXXX # XXXX : Remove account for inaccuracy, because Equifax is reporting a 90-day missed payment for XX/XX/2019, when there are no 30, 60 day late payments reported for the entire year! They inserted a 90 day late payment, which negatively affects my report, with no proof of missed payments for that year. The account should be deleted because my report must be complete and accurate. ( Information taken directly from my credit report provided by Equifax. ) Here are the violations that are relevant to my complaint : 1. Failure to send me a complete and accurate credit report 2. Failure to properly investigate my disputes 3. Failure to provide me, when requested, information relevant to the investigations 4. Failure to conduct a reasonable investigation 5. Extending my dispute investigations longer than legally permitted 6. Failure to update, correct or delete inaccurate or unverifiable information on my credit report 7. Knowingly inserting incorrect activity on my paid and closed accounts after theses accounts were closed 8. Failure to consider and review all relevant information in my disputes

Company response to consumer: Closed with explanation