Consumer complaint received 2022-01-29
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:
To whom it may concern at the Federal Trade Commission ( FTC ), I have been disputing with Euifax since XX/XX/XXXX trying to remove some accounts that have multiple inaccuracies but Equifax states each and every time that the accounts have been updated but not deleted. Now here is the problem if Equifax updated and verified these accounts but nothing within these accounts have changed, according to the FCRA section 623 ( A ) ( 1 ) ( a ), what was updated? Please examine the XXXX XXXX credit reports from XXXX, XXXX and XX/XX/XXXX, in the attachment named complete XXXX XXXX Reports for months of XX/XX/XXXX through XXXX XXXX, the attachment called account XXXX and the attachment called XXXX XXXX XXXX XXXX XXXX to examine, check and to verify that these fields has not changed nor has any other data has changed at all within the last 3 months, which is a violation of the FCRA section ( A ) ( 1 ) ( a ),. I took the liberty to create a 4th account box that has all the information including the 2 year payment histories of each account and it is found after the XXXX XXXX credit report of this account dated XX/XX/XXXX. 

I am attaching the letters I sent to Equifax with the signed and dated return receipts as an attachment called XXXX, for proof of my disputes and the last 6 months of the XXXX XXXX credit reports showing each of these accounts and highlighted text showing these 2 fields that were not changed down below in the attachment called visual proof. I am requesting that you, the CFPB, investigate these accounts and Euifax for blatant and maliciously attacking my credit, my life, my childrens lives and me by refusing to complete an investigation according to the FCRA section 623 8 ( A ) and the FCRA section 611 ( A ), failure to to do an independent investigation when asked by me according to the FCRA section 623 8 ( A ) and the FCRA section 611 ( A ), failure to change/delete an account after being shown numerous times the false and inaccurate data on my reports according to the FCRA section 623 ( A ) ( 1 ) ( a ), failure to provide documentation when I asked specifically for it according to the FCRA 611 ( 6 ) ( B ) ( iii ) and section 611 ( 6 ) ( A ), and failure to notify other investors of my current disputes by not placing the required notice of dispute in the comment section after the 30 day period after they first received my dispute as according to the FCRA section 623 ( A ) ( 3 ) and the FDCPA section 806 ( B ), all of these are hurting me financially, emotionally and physically by raising my stress levels and causing my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following is a list of accounts that I am requesting you, the CFPB, to investigate with you and also performing an investigation against the credit bureau known as Equifax for multiple violations as listed above. Again to see all the letters with the signed and dated return receipts please view the attachment called letters and to see visual proof from XXXX XXXX showing that there were never any changes made to these accounts, that there was never any independent investigations done within the last 6 months and to view and examine the missing required notice of dispute found on the XX/XX/XXXX investigation report see attachment called visual proof. Also you can see and verify that there was never any changes made to these accounts in the last 6 months except for the addition of the consumer dispute comment therefore how was my accounts updated as Equifax has stated in their investigations reports ( see attachment called investigation reports. Furthermore, I attached 3 credit reports dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, see attachment called credit reports, where you can also see that none of the data has been updated, a violation according to FCRA section 623 ( A ) ( 1 ) ( a ), there is only one account missing the notice of dispute and that is found in the XXXX XXXX XXXX investigation report which is a violation according to FCRA section 623 ( A ) ( 3 ) and the FDCPA section 806 ( B ), there was never any independent re-investigations done as I asked for in many letters proven by that none of the other data within this account has ever been updated or changed, another violation according to the FCRA section 623 8 ( A ) and FCRA section 611 ( A ) and failing to update or delete data that is inaccurate and being shown that this data is inaccurate, a violation of the FCRA section 623 ( A ) ( 1 ) ( a ). Now for the account called XXXX XXXX / XXXX XXXX ACCOUNT NUMBER : XXXX let me show you all the inaccuracies and violations that I have found, by examining my XXXX XXXX  credit report dated XX/XX/XXXX, which you can see in the attachment called XXXX XXXX XXXX XXXX XXXX and in the attachment called complete XXXX XXXX Reports for months XX/XX/XXXX through XX/XX/XXXX, pdf. 

1. Delete for inaccuracy because XXXX reports this as a credit card and Equifax reports it as -. Delete for missing information. 

2. Delete for inaccuracy because there is no high credit value listed. Delete for missing information.

3. Delete for inaccuracy because XXXX reports the credit limit as {$0.00} and Equifax reports the credit limit as {$300.00}. How can 1 creditor report the identical information to 2 bureaus and both bureaus report differently? 

4. Delete for inaccuracy because XXXX reports the last reported date of XX/XX/XXXX and Equifax reports the last reported date as XX/XX/XXXX. How can 1 creditor report the same information but then 2 bureaus report different things? 

5. Delete for inaccuracy because Equifax is reporting XXXX XXXX is the credit limit and this is also known as a limit trap which is deliberate in nature to harm credit scores. 

6. Delete for inaccuracy and violation because the XXXX reports the date last active as XX/XX/XXXX and Euifax reports the date last active as XX/XX/XXXX. This means this account will naturally fall of my credit report on 2 different dates. This cant be true and accurate. 

7. Delete for inaccuracy and violation because the date of last payment is different on XXXX and Equifaxs reports. XXXX reports the date of last payment as XX/XX/XXXX and Equifax reports the date of last payment as XX/XX/XXXX. This means that 7.5 years for statutory limitation will end on 2 different dates. This cant be true and accurate. 
8. Delete for inaccuracy and violation because the payment history shows XXXX charged off this account in XX/XX/XXXX while Equifax shows I paid on time in XX/XX/XXXX. How can this be accurate or even true? Furthermore Equifax is showing payments for the months of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX which is very inaccurate and wrong. Show me by mailing me the bank statements from XXXX   XXXXXXXX XXXX that I made these payments on time and for these months and I will believe that this account is true and accurate. Furthermore delete this account for showing payment history activity after the charge off date, which none of Equifaxs reports show, so what is the date this account was charged off? According to XXXX this date is XX/XX/XXXX. 

9. Delete for inaccuracy because XXXX is changing the charge off date and I need to use this date because Equifax doesnt report this date but XXXX in XX/XX/XXXX reports the charge off date as [ XX/XX/XXXX ] and in XX/XX/XXXX reports it as [ XX/XX/XXXX ] furthermore, Equifax reports no payments in XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX Equifax reports no payments in XXXX and XX/XX/XXXX therefore making this payment history completely inaccurate. Also in XX/XX/XXXX Equifax states that no payments were made in the months of XXXX and XX/XX/XXXX. How can these payments be different each and every month? 

10. Delete for inaccuracy because the account name has changed a few times from XXXX in XX/XX/XXXX to XXXX XXXX  in XXXX, XXXX and XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX XXXX in XX/XX/XXXX. Is Equifax making blatant attacks on me in trying to confuse me or are they trying to prolong this account by changing the name so I wont continue to try and dispute this account? 

Now what I believe is happening here is that Equifaxs E-Oscar system is somehow reporting my other disputes from XXXX XXXX and XXXX as you can see by the attachment called XXXX XXXX XXXX XXXX XXXX XXXXXXXX and according to the FCRA section 623 ( A ) ( 1 ) ( a ) this is a violation. If this is true then all these so called investigations is falsely reporting information therefore making all my results false and inaccurate again going by the FCRA section 623 ( A ) ( 1 ) ( a ) so these accounts that I am disputing must be deleted immediately and I also believe that this account specifically has been confused with another account of mine see attachment called account XXXX in the first section called myfico report dated XX/XX/XXXX. 

This clearly shows that accounts are being mixed together as shown by the field named company name where Equifax states XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX states it as XXXX XXXX XXXX delete this account immediately! Delete this whole account for multiple inaccuracies and multiple violations immediately!! 

Next lets take a look at all the inaccuracies and violations I have found in my account named XXXX XXXX XXXXXXXX XXXX. ACCOUNT NUMBER : XXXX from examining the credit files directly from Equifaxs website. 
1. Delete for inaccuracy and violation because you are reporting this account closed by you are missing the required date of last activity.

2. Delete for inaccuracy because Equifax is not reporting the terms for this account therefore it is missing needed information.

3. Delete for inaccuracy because Equifax refuses to report the high credit value after I asked them to do many times.

4. Delete for inaccuracy because the date of first delinquency equals the date of last payment which equals the delinquency first reported date all of which are XX/XX/XXXX. How can this true and accurate when this is saying on XX/XX/XXXX Equifax received my last payment but then reported me being late or delinquent on that same month? 

5. Delete for inaccuracy and violation because the address of this creditor is wrong, inaccurate and non-deliverable, see attachment called account XXXX page number : 6 for irrefutable proof. 

6. Delete for inaccuracy because the payment history is showing nothing therefore Equifax failed to provide required information.

7. Delete for inaccuracy because this account is missing information such as the date closed.

8. Delete for inaccuracy because the charge off amount is missing.

9. Now what I believe is happening here is that Equifaxs E-Oscar system is somehow reporting my other disputes from XXXX XXXX and XXXX as you can see by the attachment called proof that E- Oscar is not working.pdf and according to the FCRA section 623 ( A ) ( 1 ) ( a ) this is a violation. If this is true then all these so called investigations is falsely reporting information therefore making all my results false and inaccurate again going by the FCRA section 623 ( A ) ( 1 ) ( a ) so these accounts that I am disputing must be deleted immediately and I also believe that this account specifically has been confused with another account of mine see attachent called account XXXX in the first section called myfico report dated XX/XX/XXXX. This clearly shows that accounts are being mixed together as shown by the field named company name where Equifax states XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX states it as XXXX XXXX XXXX  delete this account immediately! Delete this whole account for multiple inaccuracies and multiple violations immediately!! 

Furthermore, in regards to Equifax not completing any investigations or re-investigations when I asked for them, I like to bring up XXXX XXXX XXXX XXXX of XXXX where it was said by the courts that it is the grave responsibility and duty of the CRAs to complete a reasonable and complete independent investigation into consumers accounts when feasible. I believe after 6 months this request has became feasible and required since Equifax decided that they did not have to do any investigations into my accounts. The courts also said that E-Oscar isnt an acceptable means of doing a complete and thorough investigation. 

Without further ado here is the list of accounts that I want deleted and for you, the CFPB, to investigate and then investigate Equifax for multiple violations and failure to do their job. 

Here are the list of accounts that need to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX. 

Thank you greatly for any and all help you can provide, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation