Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NC
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:
Filed disputes through mail several times over the past several years. I have XXXX disputes on the Equifax dispute center website dated : XXXX and XX/XX/XXXX. Some are worked manually some are still open and some are processed very quickly. They all have one thing in common Equifax continues to verify inaccurate information in my credit file. No matter the documents I provide or the information I dispute they keep these files on my report. 

XXXX XXXX has been verified or corrected over 5 times in the past 3 years. I have provided proof of payment, and a letter from the creditor, and yet the remarks remain wrong. Inaccurate payment amounts, payment history, and status remain on this file. Per FCRA once the record has been verified as accurate and then proven to have inaccurate information being reported it must be deleted but not Equifax, they either update or modify based on the documents I provide. 

XXXX  XXXX XXXX last date of activity is XX/XX/XXXX. That over 11 years ago but my every request to have this item to be removed from a file has failed. They continue to place remarks that it is disputed. Per the FCRA the item shall remain on the report for 10 years if all positive and 7 years if it contains negative information. This item is over 11 years ago but Equifax will not remove it. 

XXXX XXXX XXXX XXXX continues to violate the FCRA. This item has been disputed at least 8 times over the past 3 years. They reported it as a charge-off, as open, as a collection, and every document I provide to Equifax they update or modify instead of following the FCRA holding the reporting company to the standard of reporting truthful and accurate information. They reported the balance as incorrect after they took me to court. They did not report the payments they received. Even after being verified again on XX/XX/XXXX the item is still reporting inaccurate information. It still has an inaccurate payment history. I provided directly to Equifax documents of payments with dates, documents from the court, and other information but this still has inaccurate data but was just verified on XX/XX/XXXX. This is just another example of collusion over the FCRA. Maybe one time they may make an update when the proof is provided but this has been several updates, and modifications but no deletion. It is the creditor 's lawful obligation to provide truthful and accurate information so that my credit file is accurate. XXXX XXXX XXXX and Equifax have proven that money is more important than ethics and the law. Equifax, by allowing this file to stay on my credit report with inaccurate data, is a willing participant in not following FCRA thus breaking the law of the land. No citizen asked for Equifax to store their information but Equifax wanted the money but yet fails to do right by me the little guy because I will pay their credit to who they are colluding. 

XXXXXXXX XXXX XXXX XXXXXXXX is another file on my report that Equifax will not remove. The last payment was on XX/XX/XXXX but yet after dispute after dispute, they say it is verified. This file is over 16 years old and serves no purpose on my file but because I disputed myself not through a company that provides Equifax kickbacks they leave on my file. Equifax again places the mighty dollar over doing the right thing. 

XXXX XXXX  XXXX is another item that I have disputed several times. I have provided documentation and proof of inaccurate fraudulent data but Equifax keeps it on my file to justify damaging my credit score. I have identified that it has inaccurate payment history, payment status, and missing months of payment history. They say it is closed but yet has a balance. The last pay history status they state is over 180 days past due then why is not reported as a charge-off? It is not listed as a charge-off or in collections. For any dispute, I make Equifax either make updates or verify the account accurately. Equifax refuses to follow the FCRA to certain creditors. 

XXXX XXXX XXXX XXXX was verified as accurate again in XX/XX/XXXX. After numerous disputes and contacting the creditor, I am dumbfounded. They placed CA in payment history in XX/XX/XXXX so now this record is set to stay on my file for another ten years. This is closed and paid in full but they fail to delete it per FCRA for not having accurate information reported. They continue to keep outdated false comments and remarks on the file. This file serves no purpose on my credit file but to hurt my score. Equifax will not follow the FCRA and remove it. It is missing 16 months of payments status which I identified to Equifax but it still remains on my file. The FCRA states the creditor must report truthful and accurate information but if Equifax is not holding that standard the recourse is low credit scores.

Company response to consumer: Closed with explanation