Consumer complaint received 2021-10-25
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 status incorrect

Complaint:
Over the past 16 months, complainant has made numerous good-faith efforts to resolve these issues with Equifax. Specifically : Certified Letter of XX/XX/XXXX, Certified Letter of XX/XX/XXXX, Letter of XX/XX/XXXX, Letter of XX/XX/XXXX, Certified Letter of XX/XX/XXXX. ( Copies of which will be uploaded in the next section. ) At this point, incurring added expense of sending certified mail seems pointless, as Equifax continues to assert proper validation and verification of the alleged debt. Complainant disagrees pursuant to FCRA Sections 609 and 611. 

On XX/XX/XXXX, complainant subscribed to the credit monitoring service XXXX. As part of that service, complainant received his XXXX bureau scores. Only Equifax seems to be engaging in the practice of reporting three closed, charged-off accounts as current ( either presently or in recent months. ) A copy of the relevant entries will be uploaded in the next section. 

Specifically : XXXX XXXX, opened on XX/XX/XXXX, showing closed by all three bureaus. However, in the payment history boxes, Equifax started reporting the account status as " OK '' or " current '' in XXXX, XXXX. While this might seem harmless positive information in a sea of charge-offs, complainant contends such reportage is inaccurate and leaves an open door to re-aging the account. Copies of complainants dispute letters reveal an unceasing pattern of seeking two crucial pieces of information to properly assess the age of this debt : Date of Last Activity and Date of First Activity. Equifax has failed to provide complainant with the requested information, raising the question of proper compliance with Metro2 reporting standards. Moreover, when complainant sent a certified letter making formal request of Method of Verification, pursuant to FCRA 611 ( a ), Equifax failed to respond with specific details as to exactly how this debt is being verified. 

XXXX XXXX XXXX opened XX/XX/XXXX, showing closed ( date unknown ) by all three bureaus. Equifax goes so far as to note the account is " charged off. '' And yet, once again in the payment history boxes that appear below the entry, Equifax is reporting a string of " OK '' statuses which are at odds with the facts. Once again, complainant insists such inaccurate reportage is in violation of FCRA accuracy standards and leaves open the door to re-aging an old account. 

XXXX XXXX, opened XX/XX/XXXX, shows closed and charged off. Pretty much the same story as the two accounts noted above, but with one exception. In this case, Equifax is reporting the status as current from XX/XX/XXXX until XX/XX/XXXX and then charged-off from that point on. Here again, without knowledge of the true dates of first delinquency and last activity ( as complainant has requested repeatedly ), it is impossible to verify the accuracy of this reportage. The mere presence of inaccurately reported current account status as recently as XXXX, XXXX leaves open the door to re-aging an account that is due to fall off complainant 's file in a matter of months. 

Because of this inaccurate Equifax reporting, complainant has been harmed financially by way of credit denial prom XXXX. In that denial letter of XX/XX/XXXX, XXXX XXXX XXXX  specifically states the Equifax score as reason for denial.

Complainant is sending one more certified letter to Equifax bearing signed and notarized copies of complainant 's official valid Missouri driver 's license and XXXX XXXX XXXX voter identification ( both which show complainant 's current and accurate mailing address. ) Complainant has attempted ( letter of XX/XX/XXXX ) to get Equifax to correct two inaccurate addresses : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX, IL. Complainant has no current or past affiliations with either of those two inaccurate addresses.

Company response to consumer: Closed with explanation