Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: FL
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:
I have asked numerous times to reinvestigate the following items listed below and you have failed to properly conduct a reinvestigation as required and responded with a notice providing all relevant information listed in my disputes. I have also requested the method of verification as listed under section 611 ( a ) ( 7 ) for the description of the reinvestigation procedure which is to be provided within 15 days of your investigation which you have also failed to provide me.

Results provided to reinvestigation does not provide the relevant information listed in the disputes I have sent in and just states updated with no relevant information on what is being disputes as required by Furthermore, when using the E-Oscar system for verification it is required to follow the CDIA standards of Metro 2 to ensure it is maintaining accuracy, integrity and consistency of credit information for the consumer. Which Equifax has failed to do with multiple errors being reported in my reports even after the investigation Bankruptcy XXXX This account has been removed by XXXX. A copy of the report is included in this dispute. So how is this still being reported? 
Please delete this bankruptcy immediately XXXX XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Activity designator showing transfer/sold with no close date as required or the name of who it was sold to as required by the CDIA metro 2 guidelines under segment K2 Field 3 and no Closed date field 26 as required.

This is a violation and must delete this erroneous account immediately Direct dispute was sent to XXXX on XX/XX/XXXX with a response that they no longer have the information to provide and there has been no compliance condition codification for dispute as required by the FCRA 623 ( a ) ( 8 ) ( B ) ( E ).

This is a violation and clear indication that no investigation has been done. Please delete this unverified immediately PORTFOLIO RC XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Consumer account number is inaccurate XXXX. Does not match what is being reported by the other credit bureaus and should not be reporting with embedded blanks or special characters. 
Please delete this erroneous account Account, portfolio and account rating is inaccurate, causing inaccurate reporting of a collection account as a credit account which should not include a payment history profile. 
This is a violation and the account must be removed immediately. 

XXXX XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of last payment base segment field 27 is inaccurate reporting a date of XX/XX/XXXX but the payment history profile base segment field 18 is reporting an actual payment amount of {$72.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account is reporting inaccurate and misleading information and must be deleted immediately Missing compliance codification for dispute as required by the FCRA 611 ( c ) and CDIA guidelines for Metro 2 reporting for a disputed account. 
This is a violation and clear indication that no investigation has been done. Please delete this unverified immediately Date of First Delinquency Base segment Field 25 is inaccurate. How can the date of first delinquency be XX/XX/XXXX when the payment rating base segment field 17B reports 30 days late on XX/XX/XXXX. None of that adds up when it should be 30 days after the original missing payment date with the creditor, not the date it became 30 days late. Date of removal also reported on XXXX as XX/XX/XXXX showing Equifax reporting in inaccurate Your reporting of this account is misleading and re-ages the account. This is a violation and must be deleted immediately.

Company response to consumer: Closed with explanation