Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax please remove this account XXXX from my credit file discover is still in violation for failure to enter who has the account see there statement below the law is very very clear! I dont care if you received it back from there or stick it up your rear end you are still in violation and you need to remove this from all four reporting agencies seriously the law is very very clear. 

Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re :  XXXX XXXX ending in XXXX Consumer Financial Protection Bureau Case Number : XXXX, XXXX, XXXX, XXXX and XXXX Dear XXXX XXXX : We are in receipt of recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at XXXX. We appreciate you bringing your concerns to our attention. Our records reflect that your account was previously placed with XXXX XXXX XXXX, for further collection attempts on our behalf. We note that you included a letter dated XX/XX/XXXX from XXXX XXXX XXXX  within your CFPB correspondence, indicating that the account was returned back to XXXX. We have contacted XXXX XXXX XXXX  and have confirmed that the account was still placed with them ; however, it will be recalled and placed back with XXXX, as of the date of this letter. Please contact XXXX at XXXX if you would like to discuss repayment. Our records indicate that a Cease and Desist was placed on your account on XX/XX/XXXX per your request. We have confirmed that your account is reporting accurately to the credit reporting agencies. We are unable to honor you request to remove the tradeline as it is an accurate representation of what occurred. We are required to report accurate information to the credit reporting agencies. The credit reporting agencies we report to are : XXXX XXXX Equifax XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX GA XXXX XXXX TX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Additionally, regarding your concerns of the dispute flag reporting for the above referenced account ; we have responded several times previously and our position remains unchanged. When updates are sent to the credit reporting agencies, the information shown is the most current information updated. In this instance, the latest dispute flag is updated and does not reflect the initial dispute flag previously reported for your account. Please understand that this matter is final and we may not respond in the future, regarding this matter. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX, ET. Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : CFPB

Company response to consumer: Closed with explanation