Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. In that complaint I alleged Equifax was persisting false/misleading information that harmed me as a consumer. In particular I alleged that I have experienced housing insecurity and housing discrimination because of the information contained in my credit file that was used by a tenant screening company. Equifax responded on or around XXXX XX/XX/XXXX alleging they reviwed all documents I supplied. This would mean they reviewed the documents from the creditor showing a misapplication of payment and irregular processing of a forbearance in late XXXX early XXXX that led to payment status narrative claiming the account is/was " Not more than four payments past due. XXXX XXXX XXXX XXXX XXXX makes it quite clear : " Our office did not mail billing statements during the timeframe of XX/XX/XXXX, through XX/XX/XXXX, as billing statements are suppressed while the loan account payments have been deferred. '' Thus, if the loan exited a deferment period in XX/XX/XXXX, the loan would not be sixty ( 60 ) days past-due beginning XX/XX/XXXX for a payment that was initially due in XX/XX/XXXX. The credit grantor 's assertion the first payment was due on or around XXXX XX/XX/XXXX is also moot because they acknowledge not providing billing statements ( statements suppressed ) for XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, a failure to provide periodic statements is both a violation of TILA/Regulation Z and the MPN ( see XXXX XXXX XXXX XXXX XXXX Finally, the account can not be reported by XXXX for XX/XX/XXXX because the account was transferred to another servicer/lender before the alleged due-date for XX/XX/XXXX. The alleged delinquencies for XX/XX/XXXX and XX/XX/XXXX are because of XXXX failure to properly process a forbearance and/or deferment that led periods of such to be counted as late payments. This is evident in a payment history that shows the XX/XX/XXXX payment as being paid on-time, and magically being sixty ( 60 ) days past-due in XX/XX/XXXX. Equifax own statements implies not only did they review the documents I supplied from the credit grantor, but that they additionally reviewed all the documentation I supplied from the tenant screening company. That documentation identifies Equifax as the source of information used in the screening process and creates a causal link between the false/misleading information reported by Equifax and the damage it has caused me as a consumer and potential tenant. Despite having the documentation, Equifax concluded the account/tradeline is " being reported correctly '' because the data furnisher 's systems reported the same information when Equifax used eOSCAR to " update '' the information for the account/tradeline. Quering a system that is the source of the incorrect information does not constitute a reasonable investigation under 15 U.S. Code 1681i. Despite claiming non-monetary relief a credit pull on XXXX XX/XX/XXXX shows zero ( 0 ) changes and the false/inaccurate/misleading information persists in my credit file ( XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief