Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: MO
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:
Dear CFPB, To make things easier to follow or to find please print out the table of contents on page 501. 

In my dealings with Equifax while trying to fix my own credit these are multiple violations, errors and mishaps I have noticed, most stemming from my beginnings of trying to fix my own credit starting in XX/XX/2021. Furthermore, these violations are re-occurring each and every month that I dispute these accounts. How can this be allowed? All of these inaccuracies and violations are shown quite clearly from my XXXX XXXX Credit Reports dated XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. These violations, errors and mishaps can also be seen in the investigation reports from XXXX XXXX. 

Furthermore, in each and every investigation report from Equifax dated XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 Equifax states on their report that We investigated the following information you disputed and updated. NOT SPECIFIED. This is how this item appears on your credit report following our investigation. First what is not specified, I told them and you can see by all my letters to delete this account for violation or inaccuracy, what is not specified, do they not know what delete means? Secondly, what has been updated? If you look at all the credit reports and all the investigation reports, all the accounts and their pertaining information is exactly the same in each report so what did they update? To me this is just a blatant attack and excuse for Equifax not to do their work. How do they get away with this? Are they not being monitored and kept in check? 

The following list of accounts are what the below violations are in reference to and can be found within these accounts. Delete these accounts for multiple violations : XXXX XXXX / XXXX / XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$290.00} The following is a list of violations, errors and mishaps done by Equifax : Failing to enter the required notice of dispute in the comment section ( see pages 10-15, 22-23, 75, 122, 212-213, 217-218, 257, and pages 262-263 ). 
Re-aging of accounts by examining the date last active on some accounts. Specifically XXXX XXXX account number XXXX ( see pages 10-15, 22-23, 75, 122, 212-213, 217-218, 257, and pages 262-263 ). 
Failure to update or delete ( I chose delete ) inaccurate, incomplete, erroneous and just outright wrong data even after I pointed it out to them multiple times ( see whole document ). 
Verifying accounts as accurate when there was never any investigation done and no I am not including E-Oscar as a legitimate investigation method ( see pages 10-15, 22-23, 75, 122, 212-213, 217-218, 257, and pages 262-263 ). 
Failing to provide method of verification and other documents when I asked for them to dispute with the original creditors ( see pages 8-9, 16-18 and 24-25 ). 
Failing to complete an investigation in the 30 day time frame ( this was more prevalent in the earlier months of XXXX and XX/XX/2021 ). 
There are multiple date last active dates on some of the accounts ( see pages 10-15, 22-23, 75, 122, 212-213, 217-218, 257, and pages 262-263 ). 
There are many many inaccuracies in my reports ranging from 2 or 3 different open dates all the way to having one month say its paid on time and the very next month be 90 days late plus a whole lot more that has been brought up to XXXX by me in my disputes ( see pages 10-15, 22-23, 75, 122, 212-213, 217-218, 257, and pages 262-263 ). 
On my credit report there are some accounts that, seems to me, are under attack from Equifax. I am referring to the credit cards where they dont put in any high credit value but rather state in the comment section High.Credit is the limit. Isnt this a blatant and malicious attack on my credit score? 
Reporting incorrect and inaccurate data / information even after I showed them all the errors in my numerous disputes ( see letters on pages 3-33 and results on pages 10-15, 22-23, 75, 122, 212-213, 217-218, 257, and pages 262-263 ).

Failing to re-investigate an account ( not by using E-Oscar ) when asked while providing new and relevant information. I had asked for an independent investigation but received the same results verified as accurate but the date last reported didnt show any change from previous date last reported. Didnt Congress state in a lawsuit that E-Oscar isnt considered to be an in depth and thorough investigation ( see pages 16-18 )? 
Re-insertion of an account specifically the account of XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ) XXXX ( see pages 6-7 and 34-38 ). 
Failure to re-investigate once given new and relavant information. ( see pages 16-18 and results pages 275-276 ). 
Willfully and recklessly reporting false information after being told of the inaccurate and erroneous information and failing to investigate and/or correct or delete information see this whole document ( see this whole document ). 

Thank you in advance for taking the time to read my complaint and for any help that you can offer me in this really frustrating and troubled time. 


XXXX XXXX XXXX XXXX CC : Missouri Attorney General XXXX XXXX

Company response to consumer: Closed with explanation