Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: SC
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, I would like your assistance with XXXXXXXX XXXX inaccurate reporting. They are reporting different amounts and dates on this account with Equifax, XXXX, and XXXX. They have also failed to the note " account in dispute '' with the comment that " Consumer Disputes This Account after several of my disputes with each credit bureau which are also FCRA violations. I have requested proof and corrections of this account several times, I have talked to their representative who informed me that at certain times they would not report me late because they were just doing me a favor at the same time telling me that they must report accurate information ( This conversation took place on XXXX XXXX at phone # XXXX which lasted one hour 13 minutes which was also recorded by XXXX XXXX ). The representative also informed me this account had become current between XX/XX/XXXX and XX/XX/XXXX, which I immediately disputed. I wrote them a Certified Letter ( XXXX XXXX XXXX XXXX XXXX asking for an investigation of the accuracy of the reporting of this account. Specifically, the Date of First Delinquency and they still updated different information with each credit bureau ( CLEAR VIOLATIONS of the FCRA ). 
I also requested the documentation and my signature that would have allowed XXXXXXXX XXXX to renew or bring this account current after XXXX of XXXX I received a letter with XXXXXXXX XXXX XXXX response dated XXXX! XXXX, XXXX stating how they would report this account to the credit bureaus. I disputed this information again as inaccurate and mailed another certified Letter ( XXXX XXXX XXXX XXXX XXXX ) asking XXXX XXXX for all the information pertaining to this account, including the document that allowed this account to renew or become current anytime during this loan. 
! am now requesting a deletion of this account permanently from all credit reporting agencies after providing proof of XXXX XXXX updating my credit reports with the credit reporting agencies with inaccurate and incomplete information. My latest request to XXXXXXXX XXXX for all information pertaining to this account on XX/XX/XXXX was answered with a letter from XXXXXXXX XXXX dated XX/XX/XXXX asking me for supporting documentation of my request, which is what I was asking them for since they are continuing to update different information to each credit bureau and change information each time I dispute with the credit bureaus. It is my belief that XXXX XXXX should provide me with the information that I requested or delete this account permanently from all credit agencies they are reorting this account to. XXXX XXXX has failed to provide me with a complete account payment history, balance history, interest rate disclosure, pay off disclosure, all signatures pertaining to this account that l have signed, including digital signatures and any signatures that would have allowed this account to renew or become current. 
I am uploading my supporting documentation with this request. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation