Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: NC
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:
Dear CFPB, Over the past several months ( XX/XX/XXXX to XX/XX/XXXX ) I have sent in dispute letters to Equifax, XXXX, XXXX  regarding XXXX XXXX XXXX XXXX account that is on my Equifax report. The most recent dispute I sent in was for inaccurate information to ALL 3 Credit Bureau 's. My reports show ALL inaccurate dates, balances, high balances, date of last/first delinquency, last payment, and estimated removal date of this account along with some other inaccurate information ( I will attach a copy for your viewing of this letter ). Each time this account is under dispute I only receive this account was verified, but No documentation from the 3B 's was provide in reference to whom he/she spoke with or any paperwork he/she received from this company. Or even how this account was verified, In fact each time this was disputed the dates on my report would change which were inaccurate. ( I also will provide my credit reports showing this inaccurate information ). Even after the most recent dispute I sent, it was completed still did not receive anything via US Mail, I only receive notification through my credit monitoring app that remarks had been added to my report. The information still shows as inaccurate on my Credit Report, to this very day. Equifax & XXXX  did not properly review this dispute, any other disputes I may have had with them would show up on MyEquifax.com or XXXXXXXX and show the dispute status along with an estimated turn around date when the dispute would be complete. Neither one DID NOT even show up as in dispute stage on my Equifax or XXXX  account online. XXXX  did notified me via email that my dispute was received and it was being processed. Yet still after a week the dispute was completed and information that was changed on my report and did not reflex what my previous report showed. Such as On Record until was changed, recent balance DATE was changed, and first reported was also changed on XXXX  by a 3 month timeframe. I have this right as a Consumer Under the Fair Credit Reporting Act ( FCRA ) to dispute this information, this also violates the provisions of the FCRA. This inaccurate information is also hurting my credit score, this account is also listed as a " Charge off ''. I have the items that are reported inaccurate highlighted on the attachments for your viewing. The disputes just keeps being updated, I have not received a dispute completed form for XXXX  since XXXX. So I have not received any from the disputes that have received. 

XXXX  has the following inaccurate info : HIGH BALANCE ( Amount & Dates ), DATE OF LAST PAYMENT Equifax has the following inaccurate info : DELINQUENCY OF FIRST DATE ( this date keeps changing ), CHARGE OFF AMOUNT or anything Highlighted. 

XXXX has the following inaccurate info : ON RECORDUNTIL, FIRST REPORTED, DATE OF STATUS, WRITTEN OFF AMOUNT, or anything Highlighted. 

Please see attachments

Company response to consumer: Closed with explanation